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13934000000 -31000000 6671000000 -1015000000 14076000000 -540000000 -390000000 902000000 473000000 24893000000 0 0 -439000000 10990000000 8547000000 7082000000 0.8 0.89 1.01 4482000000 -4000000000 -14000000 -765000000 -3221000000 909000000 909000000 18886000000 221000000 12067000000 -927000000 7525000000 -4000000000 -11000000 -648000000 -3341000000 967000000 967000000 213000000 12202000000 -1426000000 18794000000 570000000 3000000 615000000 -48000000 717000000 3000000 783000000 -69000000 5359000000 -10000000 -4378000000 -604000000 -3764000000 476000000 2000000 534000000 -60000000 1055000000 1055000000 8507000000 -51000000 -499000000 -493000000 5885000000 205000000 12874000000 -1919000000 9513000000 44000000 108000000 120000000 90 days or less P3Y0M0D P10Y0M0D P5Y0M0D P10Y0M0D P30Y0M0D P50Y0M0D P5Y0M0D <div><p style='text-align:justify;margin-top:5.25pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 1</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Summary of Significant Accounting Policies </font></p><p style='text-align:justify;margin-top:2pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >The Company </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >American Express </font><font style='font-family:Times New Roman;font-size:10pt;' >Company (the Company) </font><font style='font-family:Times New Roman;font-size:10pt;' >is a global service</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > company that provides customers with access to products, insights and experiences that enrich lives and build business success. The Company&#8217;s principal products and services are charge and credit payment card products and travel-related services offered t</font><font style='font-family:Times New Roman;font-size:10pt;' >o consumers and businesses around the world.</font><font style='font-family:Times New Roman;font-size:10pt;' > After</font><font style='font-family:Times New Roman;font-size:10pt;' > June 30</font><font style='font-family:Times New Roman;font-size:10pt;' >, 2014, business travel-related services are offered through the non-consolidated joint venture, American Express Global Business Travel (GBT JV). Until June 30,</font><font style='font-family:Times New Roman;font-size:10pt;' > 2014, the business travel opera</font><font style='font-family:Times New Roman;font-size:10pt;' >tions were </font><font style='font-family:Times New Roman;font-size:10pt;' >wholly owned. The Company also focuses on generating alternative sources of revenue on a global basis in areas such as online and mobile payments and fee-based services. </font><font style='font-family:Times New Roman;font-size:10pt;' >The Company&#8217;s various products and services are sold globally to</font><font style='font-family:Times New Roman;font-size:10pt;' > diverse customer groups, including consumers, small businesses, </font><font style='font-family:Times New Roman;font-size:10pt;' >mid-sized</font><font style='font-family:Times New Roman;font-size:10pt;' > companies and large corporations. These products and services are sold through various chan</font><font style='font-family:Times New Roman;font-size:10pt;' >nels, including direct mail, on</font><font style='font-family:Times New Roman;font-size:10pt;' >line applications, targeted direct and third-party sales fo</font><font style='font-family:Times New Roman;font-size:10pt;' >rces a</font><font style='font-family:Times New Roman;font-size:10pt;' >nd direct response advertising.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Principles of Consolidation </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Consolidated Financial Statements of the Company are prepared in conformity </font><font style='font-family:Times New Roman;font-size:10pt;' >with accounting principles generally accepted in the United States of America (GAAP). Significant intercompany transactions are eliminated.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company consolidates </font><font style='font-family:Times New Roman;font-size:10pt;' >entities in which </font><font style='font-family:Times New Roman;font-size:10pt;' >it </font><font style='font-family:Times New Roman;font-size:10pt;' >holds a </font><font style='font-family:Times New Roman;font-size:10pt;' >&#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >controlling financial interest</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;' >For voting interest entities, the Company is considered to hold a controlling financial interest when it </font><font style='font-family:Times New Roman;font-size:10pt;' >is abl</font><font style='font-family:Times New Roman;font-size:10pt;' >e to exercise control over the investees</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217; operating and f</font><font style='font-family:Times New Roman;font-size:10pt;' >inancial decisions.</font><font style='font-family:Times New Roman;font-size:10pt;' > For variable interest entities (VIEs), it is considered to hold a controlling financial interest when it is determined to be the primary beneficiary. A primary beneficiary is the party that has both: (1) the power to direct the activiti</font><font style='font-family:Times New Roman;font-size:10pt;' >es that most significantly impact that entity&#8217;s economic performance, and (2) the obligation to absorb losses of, or the right to receive benefits from, the VIE that could potentially be significant to the VIE. The determination of whether an entity is a V</font><font style='font-family:Times New Roman;font-size:10pt;' >IE is based on the amount and characteristics of the entity&#8217;s equity.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' > Entities in which the Company&#8217;s voting interest</font><font style='font-family:Times New Roman;font-size:10pt;' > in common equity</font><font style='font-family:Times New Roman;font-size:10pt;' > does not provide </font><font style='font-family:Times New Roman;font-size:10pt;' >it </font><font style='font-family:Times New Roman;font-size:10pt;' >with control, but allows the Company to exert significant influence over the </font><font style='font-family:Times New Roman;font-size:10pt;' >operating and </font><font style='font-family:Times New Roman;font-size:10pt;' >financial</font><font style='font-family:Times New Roman;font-size:10pt;' > decisions</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > are accounted for under the equity method. All other investments in equity securities, to the extent that they are not considered marketable securities, are accounted for under the cost method.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Foreign Currency </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Assets and liabilities denomin</font><font style='font-family:Times New Roman;font-size:10pt;' >ated in foreign currencies are translated into U.S. dollars based upon exchange rates prevailing at the end of each year. The resulting translation adjustments, along with any related qualifying hedge and tax effects, are included in accumulated other comp</font><font style='font-family:Times New Roman;font-size:10pt;' >rehensive income</font><font style='font-family:Times New Roman;font-size:10pt;' > (loss) (AOCI)</font><font style='font-family:Times New Roman;font-size:10pt;' >, a component of shareholders&#8217; equity. Translation adjustments, including qualifying hedge and tax effects, are reclassified to earnings upon the sale or substantial liquidation of investments in foreign operations. Revenues a</font><font style='font-family:Times New Roman;font-size:10pt;' >nd expenses are tra</font><font style='font-family:Times New Roman;font-size:10pt;' >nslated at the average</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >month-end </font><font style='font-family:Times New Roman;font-size:10pt;' >exchange rates during the year. 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.S.</font><font style='font-family:Times New Roman;font-size:10pt;' > where the functional currency is the U.S. d</font><font style='font-family:Times New Roman;font-size:10pt;' >ollar, are reported net in the Company&#8217;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. Net foreign currency transaction gains amounted to app</font><font style='font-family:Times New Roman;font-size:10pt;' >roximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >44</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >108</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >120</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;' >in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Amounts Based on Estimates and Assumptions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Accounting estimates are an integral part of the Consolidated Financial Statements. These estimates are based, in part, on management&#8217;s assumptions concerning future events. Among the more significant assumptions are those that relate to reserves for </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;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >M</font><font style='font-family:Times New Roman;font-size:10pt;' >ember losses </font><font style='font-family:Times New Roman;font-size:10pt;' >on </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, the proprietary point liability</font><font style='font-family:Times New Roman;font-size:10pt;' > for Membership Rewards cost</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;' >fair value measurement, </font><font style='font-family:Times New Roman;font-size:10pt;' >goodwill and income taxes. These accounting estimates reflect the best judgment of management, but actual results could differ.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Total Revenues Net of Interest Expense </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Discount Revenue </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Discount revenue represents</font><font style='font-family:Times New Roman;font-size:10pt;' > the amount earned by the Company on transactions occurring at merchants </font><font style='font-family:Times New Roman;font-size:10pt;' >with which the Company, or </font><font style='font-family:Times New Roman;font-size:10pt;' >a</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >Global Network Services (GNS)</font><font style='font-family:Times New Roman;font-size:10pt;' > partner, has entered into card acceptance agreements for facilitating transactions between the merchants and the Company&#8217;s </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. The discount </font><font style='font-family:Times New Roman;font-size:10pt;' >fee </font><font style='font-family:Times New Roman;font-size:10pt;' >generally is deducted from the payment to the merchant and recorded as discount revenue at the time t</font><font style='font-family:Times New Roman;font-size:10pt;' >he charge is </font><font style='font-family:Times New Roman;font-size:10pt;' >captured</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Net Card Fees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Card fees</font><font style='font-family:Times New Roman;font-size:10pt;' >, net of direct card acquisition costs and a reserve for projected membership cancellations,</font><font style='font-family:Times New Roman;font-size:10pt;' > are deferred and recognized on a straight-line basis over the </font><font style='font-family:Times New Roman;font-size:10pt;' >12-month card membership period as</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >Net Card F</font><font style='font-family:Times New Roman;font-size:10pt;' >ees in </font><font style='font-family:Times New Roman;font-size:10pt;' >the Conso</font><font style='font-family:Times New Roman;font-size:10pt;' >lidated Statements of Income. T</font><font style='font-family:Times New Roman;font-size:10pt;' >he unamortized net card fee balance is reported </font><font style='font-family:Times New Roman;font-size:10pt;' >net in Other L</font><font style='font-family:Times New Roman;font-size:10pt;' >iabilities on the Consolidated </font><font style='font-family:Times New Roman;font-size:10pt;' >Balance Sheets (refer to Note 10</font><font style='font-family:Times New Roman;font-size:10pt;' >).</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Travel Commissions and Fees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company earns travel commissions and fees by charging </font><font style='font-family:Times New Roman;font-size:10pt;' >clients transaction or management fees for selling and arranging travel and </font><font style='font-family:Times New Roman;font-size:10pt;' >for </font><font style='font-family:Times New Roman;font-size:10pt;' >travel management services. Client transaction fee revenue is recognized at the time the client books the travel arrangements. Travel management services revenue is recognized </font><font style='font-family:Times New Roman;font-size:10pt;' >over the contractual term of the agreement. The Comp</font><font style='font-family:Times New Roman;font-size:10pt;' >any&#8217;s travel suppliers (e.g., airlines, hotels and</font><font style='font-family:Times New Roman;font-size:10pt;' > car rental companies) pay commissions and fees on tickets issued, sales and other services based on contractual agreements. Commissions and fees from tra</font><font style='font-family:Times New Roman;font-size:10pt;' >vel suppliers are generally recognized at the time a ticket is purchased or over the term of the contract. Commissions and fees that are based on</font><font style='font-family:Times New Roman;font-size:10pt;' > services rendered (e.g.</font><font style='font-family:Times New Roman;font-size:10pt;' >, hotel</font><font style='font-family:Times New Roman;font-size:10pt;' > stays</font><font style='font-family:Times New Roman;font-size:10pt;' > and car rentals) are recognized</font><font style='font-family:Times New Roman;font-size:10pt;' > based on usage</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Other Commissions and F</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >ees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Other commissions and fees include foreign currency conversion fees, </font><font style='font-family:Times New Roman;font-size:10pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:10pt;' >delinquency fe</font><font style='font-family:Times New Roman;font-size:10pt;' >es, service fees and other card-</font><font style='font-family:Times New Roman;font-size:10pt;' >related assessments, which are recognized primarily in the period in which they are charged to the </font><font style='font-family:Times New Roman;font-size:10pt;' >Card Member (refer to Not</font><font style='font-family:Times New Roman;font-size:10pt;' >e 19)</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >In addition, service fees are also earned from other customers (e.g., merchants) for a </font><font style='font-family:Times New Roman;font-size:10pt;' >variety of services and are recognized when the service is performed, which is generally in the period the fee is charged. A</font><font style='font-family:Times New Roman;font-size:10pt;' >lso included are fees related to the </font><font style='font-family:Times New Roman;font-size:10pt;' >Company&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;' > Membership Rewards program, which are deferred and recognized over the period covered by the fee. The unamortized Membership Rewards fee balance is included in </font><font style='font-family:Times New Roman;font-size:10pt;' >Other L</font><font style='font-family:Times New Roman;font-size:10pt;' >iabilities on the Consolidated Bal</font><font style='font-family:Times New Roman;font-size:10pt;' >ance Sheets (refer to Note 10).</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Contra-reven</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >ue </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company regularly makes payments through contractual </font><font style='font-family:Times New Roman;font-size:10pt;' >arrangements with merchants, corporate payments c</font><font style='font-family:Times New Roman;font-size:10pt;' >lients</font><font style='font-family:Times New Roman;font-size:10pt;' >, Card Members</font><font style='font-family:Times New Roman;font-size:10pt;' > and certain other customers</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >Payments to </font><font style='font-family:Times New Roman;font-size:10pt;' >such </font><font style='font-family:Times New Roman;font-size:10pt;' >customers</font><font style='font-family:Times New Roman;font-size:10pt;' >, including cash rebates paid to Card Members,</font><font style='font-family:Times New Roman;font-size:10pt;' > are generally classifie</font><font style='font-family:Times New Roman;font-size:10pt;' >d as contra-revenue unless a specifically identifiable benefit (e.g.</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > goods or services) is received by the Company </font><font style='font-family:Times New Roman;font-size:10pt;' >or its Card Members </font><font style='font-family:Times New Roman;font-size:10pt;' >in consideration for that payment</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > and the fair value of such benefit is determinable and measurable. If no such benefit</font><font style='font-family:Times New Roman;font-size:10pt;' > is identified, then the entire payment </font><font style='font-family:Times New Roman;font-size:10pt;' >is classified as contra-revenue</font><font style='font-family:Times New Roman;font-size:10pt;' > and included in the Consolidated Statements of Income in the </font><font style='font-family:Times New Roman;font-size:10pt;' >revenue </font><font style='font-family:Times New Roman;font-size:10pt;' >line item where the related transaction</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > are recorded (e.g.</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > discount revenue, travel commissions and fees and othe</font><font style='font-family:Times New Roman;font-size:10pt;' >r commissions and fees). If such a benefit is identified, then the payment is classified as expense up to the estimated fair value of the benefit. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Interest Income </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Interest on Card Member loans is assessed using the average daily balance method. Unless t</font><font style='font-family:Times New Roman;font-size:10pt;' >he loan is classified as non-accrual, interest is recognized based upon the outstanding balance, in accordance with the terms of the applicable account agreement, until the outstanding balance is paid or written off. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest and dividends on investment s</font><font style='font-family:Times New Roman;font-size:10pt;' >ecurities primarily relates to the Company&#8217;s performing fixed-income securities. Interest income is accrued as earned using the effective interest method, which adjusts the yield for security premiums and discounts, fees and other payments, so that a const</font><font style='font-family:Times New Roman;font-size:10pt;' >ant rate of return is recognized on the investment security&#8217;s outstanding balance. Amounts are recognized until such time as a security is in default or when it is likely that future interest payments will not be received as scheduled. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest on deposit</font><font style='font-family:Times New Roman;font-size:10pt;' >s with banks and other is recognized as earned, and primarily relates to the placement of cash in interest-bearing time deposits, overnight sweep accounts, and other interest-bearing demand and call accounts. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Interest Expense </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Interest expense includes </font><font style='font-family:Times New Roman;font-size:10pt;' >interest incurred primarily to fund Card Member loans, charge card product receivables, general corporate purposes, and liquidity needs, and is recognized as incurred. Interest expense is divided principally into two categories: (</font><font style='font-family:Times New Roman;font-size:10pt;' >i</font><font style='font-family:Times New Roman;font-size:10pt;' >)&#160;deposits, which primari</font><font style='font-family:Times New Roman;font-size:10pt;' >ly relates to interest expense on deposits taken from customers and institutions, and (ii)&#160;long-term debt and other, which primarily relates to interest expense on the Company&#8217;s long-term financing and short-term borrowings, and the realized impact of deri</font><font style='font-family:Times New Roman;font-size:10pt;' >vatives hedging interest rate risk.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Balance Sheet</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Cash and Cash Equivalents </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Cash and cash equivalents include cash and amounts due from banks, interest-bearing bank balances, including securities purchased under resale agreements</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > and other highly liquid</font><font style='font-family:Times New Roman;font-size:10pt;' > investments with original maturities of 90 days or less.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Premises and Equipment </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Premises and equipment, including leasehold improvements, are carried at cost less accumulated depreciation. Costs incurred during construction are capitalized and are depr</font><font style='font-family:Times New Roman;font-size:10pt;' >eciated once an asset is placed in service. Depreciation is generally computed using the straight-line method over the estimated useful lives of assets, which range from </font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > to </font><font style='font-family:Times New Roman;font-size:10pt;' >10</font><font style='font-family:Times New Roman;font-size:10pt;' > years for equipment</font><font style='font-family:Times New Roman;font-size:10pt;' >, furniture and building improvement</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' >. Premises are depreciated based upon their estimated useful life at the acquisition date</font><font style='font-family:Times New Roman;font-size:10pt;' >, which generally ranges from </font><font style='font-family:Times New Roman;font-size:10pt;' >30</font><font style='font-family:Times New Roman;font-size:10pt;' > to </font><font style='font-family:Times New Roman;font-size:10pt;' >50</font><font style='font-family:Times New Roman;font-size:10pt;' > years. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Leasehold improvements are depreciated using the straight-line method over the lesser of the remaining term of the leased facility or the economic life of the </font><font style='font-family:Times New Roman;font-size:10pt;' >improvement, which ranges from </font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > to </font><font style='font-family:Times New Roman;font-size:10pt;' >10</font><font style='font-family:Times New Roman;font-size:10pt;' > years. The Company maintains operatin</font><font style='font-family:Times New Roman;font-size:10pt;' >g leases worldwide for facilities and equipment. Rent expense for facility leases is recognized ratably over the lease term, and include</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > adjustments for rent concessions, rent escalations and leasehold improvement allowances. The Company </font><font style='font-family:Times New Roman;font-size:10pt;' >recognizes</font><font style='font-family:Times New Roman;font-size:10pt;' > lease </font><font style='font-family:Times New Roman;font-size:10pt;' >restoration obligations </font><font style='font-family:Times New Roman;font-size:10pt;' >at the </font><font style='font-family:Times New Roman;font-size:10pt;' >fair value of</font><font style='font-family:Times New Roman;font-size:10pt;' > the </font><font style='font-family:Times New Roman;font-size:10pt;' >restoration liabilities when incurred, and amortiz</font><font style='font-family:Times New Roman;font-size:10pt;' >es</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;' > restor</font><font style='font-family:Times New Roman;font-size:10pt;' >ation assets over the lease term.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company capitalizes certain costs associated with the acquisition or development of internal-use software.</font><font style='font-family:Times New Roman;font-size:10pt;' > Once the software is ready for its intended use, these costs are amortized on a straight-line basis over the software&#8217;s es</font><font style='font-family:Times New Roman;font-size:10pt;' >timated useful life, generally </font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > years.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >O</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >ther</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Significant Accounting P</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >olicies </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table identifies the Company&#8217;s other significant accounting policies, the Note and page where </font><font style='font-family:Times New Roman;font-size:10pt;' >the N</font><font style='font-family:Times New Roman;font-size:10pt;' >ote</font><font style='font-family:Times New Roman;font-size:10pt;' > can be found. </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:205.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:205.5pt;' ></td><td colspan='1' rowspan='2' style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Note</font></td><td colspan='1' rowspan='2' style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:226.5pt;' ></td><td colspan='1' rowspan='2' style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:205.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Significant Accounting Policy</font></td><td style='width:39.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Number</font></td><td style='width:226.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Note Title</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Page</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accounts Receivable</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 3</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accounts Receivable and Loans</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 79</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 3</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accounts Receivable and Loans</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 79</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reserves for Losses</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 4</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reserves for Losses</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 84</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Investment Securities</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 5</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Investment Securities</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 86</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Asset Securitizations</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 6</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Asset Securitizations</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 88</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Goodwill and Other Intangible Assets</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 7</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other Assets</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 89</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Membership Rewards</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 10</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other Liabilities</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 95</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Stock-based Compensation</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 11</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Stock Plans</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 95</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Retirement Plans</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 12</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Retirement Plans</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 98</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Legal Contingencies</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 13</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Commitments and Contingencies</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 98</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative Financial Instruments and Hedging Activities</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 14</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivatives and Hedging Activities</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 100</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fair Value Measurements</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note&#160;15</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fair Values </font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 104</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Taxes</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 21</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Taxes</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 113</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Regulatory Matters and Capital Adequacy</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 23</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Regulatory Matters and Capital Adequacy</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 116</font></td></tr><tr style='height:13.5pt;' ><td style='width:205.5pt;text-align:left;border-color:Black;min-width:205.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reportable Operating Segments</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Note 25</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:226.5pt;text-align:left;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reportable Operating Segments and Geographic Operations</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Page 118</font></td></tr><tr style='height:4.5pt;' ><td style='width:205.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:205.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39.75pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:226.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:226.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Recently Issued Accounting Standards</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Accounting Standards Update (ASU)</font><font style='font-family:Times New Roman;font-size:10pt;' > No. 2014-09, Revenue Recognition (Topic 606): Revenue from Contracts with Custome</font><font style='font-family:Times New Roman;font-size:10pt;' >rs was issued on May 28, 2014.&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >The guidance establishes the principles to apply to determine the amount</font><font style='font-family:Times New Roman;font-size:10pt;' > and timing of revenue recognition, specifying the accounting for certain costs related to revenue, and requiring additional disclosures about the nature, amount, timing and uncertainty of re</font><font style='font-family:Times New Roman;font-size:10pt;' >venues and related cash flows.&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >The guidance supersedes most of th</font><font style='font-family:Times New Roman;font-size:10pt;' >e current revenue recognition requirements, and will</font><font style='font-family:Times New Roman;font-size:10pt;' > be effective January 1, 2017.&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >The Company is currently evaluating the impact</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >this guidance, including the method of implementation, will have on its financial position, results of operations and cash flo</font><font style='font-family:Times New Roman;font-size:10pt;' >ws, among other items. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:12pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' > ASU </font><font style='font-family:Times New Roman;font-size:10pt;' >No. 2014-01, Investments &#8211; Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects was issued on January 15, 2014. Provided certain conditions are met, this standa</font><font style='font-family:Times New Roman;font-size:10pt;' >rd permits entities to account for investments in qualified affordable housing projects using the proportional amortization method, which results in amortizing the initial cost of the investment in proportion to the tax credits and other tax benefits recei</font><font style='font-family:Times New Roman;font-size:10pt;' >ved, and recognizing the net investment performance in the income statement as a component of income tax expense. Additionally, the standard requires new disclosures about all investments in qualified affordable housing projects irrespective of the method </font><font style='font-family:Times New Roman;font-size:10pt;' >used to account for the investments. The standard, which is to be retrospectively applied, is effective January 1, 2015, and </font><font style='font-family:Times New Roman;font-size:10pt;' >if adopted </font><font style='font-family:Times New Roman;font-size:10pt;' >is not expected to have a material impact on the Company&#8217;s financial position or results of operations upon adoption.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Classificatio</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >n of Various Items</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Certain reclassifications of prior period amounts have been made to conform to the current period presentation. </font><font style='font-family:Times New Roman;font-size:10pt;' >T</font><font style='font-family:Times New Roman;font-size:10pt;' >hese reclassifications did not have a material impact on the Company&#8217;s financial position, results of operations or cash</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >flo</font><font style='font-family:Times New Roman;font-size:10pt;' >ws.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Premises and Equipment </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Premises and equipment, including leasehold improvements, are carried at cost less accumulated depreciation. Costs incurred during construction are capitalized and are depr</font><font style='font-family:Times New Roman;font-size:10pt;' >eciated once an asset is placed in service. Depreciation is generally computed using the straight-line method over the estimated useful lives of assets, which range from </font><font style='font-family:Times New Roman;font-size:10pt;' >3</font><font style='font-family:Times New Roman;font-size:10pt;' > to </font><font style='font-family:Times New Roman;font-size:10pt;' >10</font><font style='font-family:Times New Roman;font-size:10pt;' > years for equipment</font><font style='font-family:Times New Roman;font-size:10pt;' >, furniture and building improvement</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' >. Premises are depreciated based upon their estimated useful life at the acquisition date</font><font style='font-family:Times New Roman;font-size:10pt;' >, which generally ranges from </font><font style='font-family:Times New Roman;font-size:10pt;' >30</font><font style='font-family:Times New Roman;font-size:10pt;' > to </font><font style='font-family:Times New Roman;font-size:10pt;' >50</font><font style='font-family:Times New Roman;font-size:10pt;' > years. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Leasehold improvements are depreciated using the straight-line method over the lesser of the remaining term of the leased facility or the economic life of the </font><font style='font-family:Times New Roman;font-size:10pt;' >improvement, which ranges from </font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > to </font><font style='font-family:Times New Roman;font-size:10pt;' >10</font><font style='font-family:Times New Roman;font-size:10pt;' > years. The Company maintains operatin</font><font style='font-family:Times New Roman;font-size:10pt;' >g leases worldwide for facilities and equipment. Rent expense for facility leases is recognized ratably over the lease term, and include</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > adjustments for rent concessions, rent escalations and leasehold improvement allowances. The Company </font><font style='font-family:Times New Roman;font-size:10pt;' >recognizes</font><font style='font-family:Times New Roman;font-size:10pt;' > lease </font><font style='font-family:Times New Roman;font-size:10pt;' >restoration obligations </font><font style='font-family:Times New Roman;font-size:10pt;' >at the </font><font style='font-family:Times New Roman;font-size:10pt;' >fair value of</font><font style='font-family:Times New Roman;font-size:10pt;' > the </font><font style='font-family:Times New Roman;font-size:10pt;' >restoration liabilities when incurred, and amortiz</font><font style='font-family:Times New Roman;font-size:10pt;' >es</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;' > restor</font><font style='font-family:Times New Roman;font-size:10pt;' >ation assets over the lease term.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Cash and Cash Equivalents </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Cash and cash equivalents include cash and amounts due from banks, interest-bearing bank balances, including securities purchased under resale agreements</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > and other highly liquid</font><font style='font-family:Times New Roman;font-size:10pt;' > investments with original maturities of 90 days or less.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company capitalizes certain costs associated with the acquisition or development of internal-use software.</font><font style='font-family:Times New Roman;font-size:10pt;' > Once the software is ready for its intended use, these costs are amortized on a straight-line basis over the software&#8217;s es</font><font style='font-family:Times New Roman;font-size:10pt;' >timated useful life, generally </font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > years.</font></p></div> 0 0 0 0 0 0 7000000000 7300000000 31000000000 29900000000 18800000000 19500000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Fair Values</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Fair value is defined as the price that would be re</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >quired</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, based on the Company&#8217;s principal or</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the absence of a principal,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > most advantageous market for t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he specific asset or liability.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >GAAP provide</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > for a three-level hierarchy of inputs to valuation techniques used to measure fair value, defined as follows: </font></p><ul><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 1</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Calibri;font-size:12pt;color:#000000;' >&#8213;</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Inputs that are quoted prices (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >unadjusted) for identical assets or liabilities in active markets</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > that the entity can access</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 2 </font><font style='font-family:Calibri;font-size:12pt;color:#000000;' >&#8213;</font><font style='font-family:Calibri;font-size:12pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly, for substantiall</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >y the full term of the asset or liability, including:</font></li></ul><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-13.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > -</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Quoted prices for similar assets or liabilities in active markets</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >;</font></p><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-13.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > - </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Quoted prices for identical or similar assets or liabilities in markets that are not active</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >;</font></p><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-13.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > - </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Inputs other than quoted </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >prices that are observable for the asset or liability</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >; and</font></p><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-27pt;color:#000000;' > -</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Inputs that are derived principally from or corroborated by observable market data by correlation or </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >other means.</font></p><ul><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3 &#8213; Inputs that are unobservable and reflect the Company&#8217;s own </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >estimates</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > about the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >estimates </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >market participants would use in pricing the asset or liability based on the best information available in the circumstances (e.g., internally derived assumptions surrounding the timing and amount of expected cash flows). The Company d</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >id not measure any financial instruments presented on the Consolidated Balance Sheets at fair value on a recurring basis using significant unobservable inputs (Level 3) during the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, although the disclosed fair va</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >lue of certain assets that are not carried at fair value, as presented later in this Note, are classified within Level 3.</font></li></ul><p style='text-align:justify;line-height:11.5pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:11.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company monitors the market conditions and evaluates the fair value hierarchy levels at least quarterly. For any transfers in and</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > out of the levels of the fair value hierarchy, the Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >disclose</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the fair value measurement at the beginning of the reporting period during which the transfer occurred.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > For the year ended December 31, 2014, there were no significant transfers between </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >levels. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Valuation Techniques Used in the Fair Value Measurement of Financial Assets and Financial Liabilities Carried at Fair Value</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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='text-align:justify;margin-top:9.75pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Investment Securities </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' > fair value. Such investment securities are classified within Level</font><font style='font-family:Times New Roman;font-size:10pt;' > 1 of the fair value hierarchy.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >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&#8217;s investment securities are obtained primarily from pricing services engaged by the Company, and the </font><font style='font-family:Times New Roman;font-size:10pt;' >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 investmen</font><font style='font-family:Times New Roman;font-size:10pt;' >t 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</font><font style='font-family:Times New Roman;font-size:10pt;' >, 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</font><font style='font-family:Times New Roman;font-size:10pt;' > to</font><font style='font-family:Times New Roman;font-size:10pt;' > prices received from the pricing services. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company reaffirms its understanding of the valuation techniques used by its pricing services at least annually. In addition, the Company corroborates the prices provided by its pricing services </font><font style='font-family:Times New Roman;font-size:10pt;' >for</font><font style='font-family:Times New Roman;font-size:10pt;' > reason</font><font style='font-family:Times New Roman;font-size:10pt;' >ableness by comparing </font><font style='font-family:Times New Roman;font-size:10pt;' >the</font><font style='font-family:Times New Roman;font-size:10pt;' > prices </font><font style='font-family:Times New Roman;font-size:10pt;' >from the respective pricing services </font><font style='font-family:Times New Roman;font-size:10pt;' >to valuations </font><font style='font-family:Times New Roman;font-size:10pt;' >obtained </font><font style='font-family:Times New Roman;font-size:10pt;' >from different pricing</font><font style='font-family:Times New Roman;font-size:10pt;' > sources</font><font style='font-family:Times New Roman;font-size:10pt;' >. In instances where price discrepancies are identified between different pricing sources, the Company evaluates such discrepancies t</font><font style='font-family:Times New Roman;font-size:10pt;' >o ensure that the prices used for its valuation represent the fair value of the underlying investment securities.</font><font style='font-family:Times New Roman;font-size:10pt;' > Refer to Note </font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > for additional fair value information.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Derivative Financial Instruments </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The fair value of the Company&#8217;s derivative financ</font><font style='font-family:Times New Roman;font-size:10pt;' >ial instruments is estimated by </font><font style='font-family:Times New Roman;font-size:10pt;' >third-party valuation service</font><font style='font-family:Times New Roman;font-size:10pt;' >s that use</font><font style='font-family:Times New Roman;font-size:10pt;' > proprietary</font><font style='font-family:Times New Roman;font-size:10pt;' > pricing models or by internal pricing models,</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >where the</font><font style='font-family:Times New Roman;font-size:10pt;' > inputs to those models are readily observable from actively quoted markets. The pricing models used are consistently</font><font style='font-family:Times New Roman;font-size:10pt;' > applied and reflect the contractual terms of the derivatives as </font><font style='font-family:Times New Roman;font-size:10pt;' >described below. The Company reaffirms its understanding of the valuation techniques used by the third-party valuation services at least annually. </font><font style='font-family:Times New Roman;font-size:10pt;' >The Company&#8217;s derivative instruments are cla</font><font style='font-family:Times New Roman;font-size:10pt;' >ssified within Level 2 of the fair value hierarchy.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The fair value of the Company&#8217;s interest rate swaps is determined based on a discounted cash flow method using the following significant inputs: the contractual terms of the swap such as the notional amou</font><font style='font-family:Times New Roman;font-size:10pt;' >nt, fixed coupon rate, floating coupon rate (based on interbank rates consistent with the frequency and currency of the interest cash flows) and tenor, as well as discount rates consistent with the underlying economic factors of the currency in which the c</font><font style='font-family:Times New Roman;font-size:10pt;' >ash flows are denominated. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The fair value of the Company&#8217;s tot</font><font style='font-family:Times New Roman;font-size:10pt;' >al return contract, which served</font><font style='font-family:Times New Roman;font-size:10pt;' > as a hedge against the Hong Kong dollar (HKD) change in fair value associated with the Company&#8217;s investment in </font><font style='font-family:Times New Roman;font-size:10pt;' >ICBC</font><font style='font-family:Times New Roman;font-size:10pt;' >, is determined based on a discounted cash fl</font><font style='font-family:Times New Roman;font-size:10pt;' >ow method using the following significant inputs as of the valuation date: number of shares of the Company&#8217;s underlying ICBC investment, the quoted market price of the shares in HKD and the monthly settlement terms of the contract inclusive of price and te</font><font style='font-family:Times New Roman;font-size:10pt;' >nor. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The fair value of foreign exchange forward contracts is determined based on a discounted cash flow method using the following significant inputs: the contractual terms of the forward contracts such as the notional amount, maturity dates and contract </font><font style='font-family:Times New Roman;font-size:10pt;' >rate, as well as relevant foreign currency forward curves, and discount rates consistent with the underlying economic factors of the currency in which the cash flows are denominated.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Credit valuation adjustments are necessary when the market parameters, su</font><font style='font-family:Times New Roman;font-size:10pt;' >ch as a benchmark curve, used to value derivatives are not indicative of the credit quality of the Company or its counterparties. The Company considers the counterparty credit risk by applying an observable forecasted default rate to the c</font><font style='font-family:Times New Roman;font-size:10pt;' >urrent exposure. </font><font style='font-family:Times New Roman;font-size:10pt;' >Refer to Note 14</font><font style='font-family:Times New Roman;font-size:10pt;' > for additional fair value information.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table summarizes the Company&#8217;s financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP&#8217;s valuation hierarchy (as described in the preceding paragraphs), as of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:123.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:123.75pt;' ><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='8' rowspan='1' style='width:191.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:191.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level&#160;1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level 2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level&#160;1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level 2</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Assets:</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Investment securities:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:123.75pt;text-align:left;border-color:Black;min-width:123.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity securities</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 124 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >124</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:123.75pt;text-align:left;border-color:Black;min-width:123.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Debt securities and other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,430 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 350 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,080 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,892 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >320</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,572 </font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 991 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 991 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 701 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 701 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total assets</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,422 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 351 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,071 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,717</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >444</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,273</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Liabilities:</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total liabilities</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times;font-size:8pt;' >Refer to Note 5</font><font style='font-family:Times;font-size:8pt;' > for the fair values </font><font style='font-family:Times New Roman;font-size:8pt;' >of investment securities </font><font style='font-family:Times New Roman;font-size:8pt;' >and to Note 14 for the fair values of derivative assets and liabilities, </font><font style='font-family:Times New Roman;font-size:8pt;' >on a further disaggregated basis</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 1000000 4430000000 5422000000 1000000 350000000 351000000 0 4080000000 5071000000 124000000 4892000000 5717000000 124000000 320000000 444000000 0 4572000000 5273000000 991000000 0 991000000 701000000 0 701000000 164000000 0 164000000 213000000 0 213000000 164000000 213000000 0 0 164000000 213000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table discloses the estimated fair value for the Company&#8217;s financial assets and financial liabilities that are not </font><font style='font-family:Times New Roman;font-size:10pt;' >required to be </font><font style='font-family:Times New Roman;font-size:10pt;' >carried at fair value</font><font style='font-family:Times New Roman;font-size:10pt;' > on a recurring basis</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;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='10' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 2</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 22 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 22 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loans, net</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 70 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 71 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 71 </font></td></tr><tr style='height:5.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Long-term debt</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 58 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='10' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 2</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 19 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 19 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 17 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 48 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 48 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loans, net</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 67 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 67 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 67 </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 60 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 60 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 7 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 8 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 8 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Long-term debt</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 55 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 58 </font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 58 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Reflects time deposits.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes</font><font style='font-family:Times New Roman;font-size:7.5pt;' > accounts receivable</font><font style='font-family:Times New Roman;font-size:7.5pt;' > (including </font><font style='font-family:Times New Roman;font-size:7.5pt;' >fair v</font><font style='font-family:Times New Roman;font-size:7.5pt;' >alu</font><font style='font-family:Times New Roman;font-size:7.5pt;' >es 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;' > receivables </font><font style='font-family:Times New Roman;font-size:7.5pt;' >of</font><font style='font-family:Times New Roman;font-size:7.5pt;' > $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >7.0</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >billion</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >7.3</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion </font><font style='font-family:Times New Roman;font-size:7.5pt;' >held </font><font style='font-family:Times New Roman;font-size:7.5pt;' >by consolidated VIEs as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >)</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, restricted cash and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >other miscellaneous assets</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes</font><font style='font-family:Times New Roman;font-size:7.5pt;' > f</font><font style='font-family:Times New Roman;font-size:7.5pt;' >air valu</font><font style='font-family:Times New Roman;font-size:7.5pt;' >es of loans </font><font style='font-family:Times New Roman;font-size:7.5pt;' >of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >29.9</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >31.0</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion</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 long-term debt of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >19.5</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion</font><font style='font-family:Times New Roman;font-size:7.5pt;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >18.8</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >held </font><font style='font-family:Times New Roman;font-size:7.5pt;' >by consolidated VIEs as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >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;' >respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font 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></div> 7300000000 7000000000 836000000 636000000 628000000 606000000 13800000000 13300000000 30100000000 31200000000 320000000 6000000 34000000 26000000 43000000 29000000 0 4000000 24000000 1000 1000 1200 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Accounts receivable by segment 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;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > consisted of:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >22,468</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >21,842</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >7,653</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7,771</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Commercial Services</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >14,583</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >14,391</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Network&#160;&amp; Merchant Services</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >147</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >159</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member receivables</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >44,851</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >44,163</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >465</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >386</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member receivables, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >44,386</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >43,777</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,614</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,408</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.0</font><font style='font-family:Times New Roman;font-size:8pt;' > billion </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.3</font><font style='font-family:Times New Roman;font-size:8pt;' > billion </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 available to settle obligations </font><font style='font-family:Times New Roman;font-size:8pt;' >of a </font><font style='font-family:Times New Roman;font-size:8pt;' >consolidated VIE as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</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='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >636</font><font style='font-family:Times New Roman;font-size:8pt;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >836</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >million due from 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;' >606</font><font style='font-family:Times New Roman;font-size:8pt;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;' >628</font><font style='font-family:Times New Roman;font-size:8pt;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes receivables primarily related to the Company&#8217;s International Currency Card portf</font><font style='font-family:Times New Roman;font-size:8pt;' >olios. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >13.3</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >13.8</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >billion of </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;' > outside the U.S. as of </font><font style='font-family:Times New Roman;font-size:8pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</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='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables primarily represent amounts related to (</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >) certain merchants for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >billed discount revenue</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and (ii) GNS partner banks for items such as royalty</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > franchise fees</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Additionally, for 2013, the balance also included purchased GNS joint venture receivables. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables are presented net of reserves for losses of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >61</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >71</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > and Other Receivables </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;' > receivables</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > represent</font><font style='font-family:Times New Roman;font-size:10pt;' >ing amounts due on charge card products, </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-sa</font><font style='font-family:Times New Roman;font-size:10pt;' >le transaction with a merchant. Each charge card transaction is authorized based on its likely economics, a Card Member&#8217;s most recent credit </font><font style='font-family:Times New Roman;font-size:10pt;' >information and spend patterns. Additionally, global spend limits </font><font style='font-family:Times New Roman;font-size:10pt;' >are establish</font><font style='font-family:Times New Roman;font-size:10pt;' >ed to limit the maximum exposure for the Company.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:13.5pt;' >Charge Card Members generally must pay the full amount billed each month. Card Member</font><font style='font-family:Times New Roman;font-size:10pt;' > receivable balances are presented on the Consolidated Balance Sheets net of reserves for losse</font><font style='font-family:Times New Roman;font-size:10pt;' >s (refer to Note 4), and include</font><font style='font-family:Times New Roman;font-size:10pt;' > principal and any related accrued fees.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > and Other Loans</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > represent</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ing revolving amounts due on lending card products, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >are recorded at the time a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > enters into a point-of-sale transaction w</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ith a merchant, as well as amounts due from charge Card Members who utilize the lending-on-charge feature on their account and elect to revolve a portion of the outstanding balance by </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >enter</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ing </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >into a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >revolving</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > paym</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ent arrangement</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > with the Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >These loans have a range of terms such as credit limits, interest rates, fees and payment structures, which can be revised over time based on new information about Card Members and in accordance with applicable regulations</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and the respective product&#8217;s terms and conditions. Card Members holding revolving loans are typically required to make monthly payments based on pre-established amounts. The amounts that Card Members choose to revolve are subject to finance charges.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Card </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans are presented on the Consolidated Balance Sheets net of reserves for losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(refer to Note 4), and include principal, accrued interest and fees receivable. The Company&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >policy generally is to cease accruing interest on a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loan at t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he time the account is written off, and establish reserves for interest that the Company believes will not be collected.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Impaired </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > Loans and Receivables</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Impaired loans and receivables are 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;color:#000000;' >le that the Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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;color:#000000;' >erms of the Card Member </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >agreement. The Company considers impaired loans and receivables to include: (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >) loans over 90&#160;days past due still accruing interest, (ii)&#160;non-accrual </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loans and (iii)&#160;loans and receivables modified </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >as</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > troubled debt restructuring</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (TDR</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >The Company may modify</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, through various company sponsored programs,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans and receivables </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >in instances where the Card Member is experiencing financial diffic</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ulty in order </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >to minimize losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and improve collectability </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >while providing </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s with temporary or permanent financial relief. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Company has classified Card Member loans and receivables in these modification programs as TDRs. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Such modifications </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >to the loans and receivables primarily include (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >) temporary interest rate reductions (possibly as low as zero percent, in which case the loan is characterized as non-accrual in the Company&#8217;s TDR disclosures), (ii) placing the Card Member on a fixed paymen</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >t plan not to exceed 60 months and (iii) suspending delinquency fees until the Card Member exits the modification program. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Upon entering the modification program, the Card Member&#8217;s ability to make future purchases is either cancelled or in certain cases su</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >spended until the Card Member successfully exits the modification program. In accordance with the modification agreement with the Card Member, loans may revert back to the original contractual terms (including the contractual interest rate) when the Card M</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ember exits the modification program, which is (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >) when all payments have been made in accordance with the modification agreement or, (ii) when the Card Member defaults out of the modification program. The Company establishes a reserve for Card Member inte</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >rest charges and fees considered to be uncollectible. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Reserves for Card Member loans and receivables modified as TDRs are determined as the difference between the cash flows expected to be received from the Card Member (taking into consideration the proba</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >bility of subsequent defaults), discounted at the original effective interest rates, and the carrying value of the Card Member loan or receivable balance. The Company determines the original effective interest rate as the interest rate in effect prior to t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he imposition of any penalty interest rate. All changes in the impairment measurement are included in the provision for losses in the Consolidated Statements of Income.</font></p><p style='text-align:left;line-height:12pt;' ></p></div> 44851000000 44163000000 22468000000 21842000000 7653000000 7771000000 14391000000 14583000000 159000000 147000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Loans </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >by segment </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > consisted of: </font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >62,592</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >58,395</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >7,744</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8,790</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Commercial Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >49</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >53</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >70,385</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >67,238</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,201</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,261</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >69,184</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >65,977</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other loans, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >920</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >608</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes approximately </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >30.1</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31.2</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion of gross </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > loans available to settle obligations </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of a </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >consolidated VIE as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other loans primarily represent </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loans to merchants and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a store card </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loan </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >portfolio</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Other loans are presented net of reserves for losses of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p></div> 70385000000 62592000000 7744000000 49000000 67238000000 58395000000 8790000000 53000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table </font><font style='font-family:Times New Roman;font-size:10pt;' >presents the aging 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;' > loans and receivables 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >30-59</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >60-89</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90+</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;font-style:italic;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Current</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans: </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >61,995</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >179</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >128</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >290</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >62,592</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,621</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >39</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >27</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >57</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,744</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables: </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >22,096</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >129</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >72</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >171</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >22,468</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,557</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >29</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >20</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >47</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,653</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Global Commercial Services </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >120</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >14,583</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >30-59</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >60-89</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90+</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Current</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans: </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >57,772</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >183</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >134</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >306</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >58,395</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8,664</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >43</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >28</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >55</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8,790</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21,488</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >125</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >69</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >160</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21,842</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >83</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >7,771</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Global Commercial Services</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >132</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >14,391</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Beginning in</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;' > first quarter 2014, as a result of system enhancements, delinquency data is now available and presented on a prospective basis for the indicated aging categories. Comparable data for prior periods is not available. For risk management </font><font style='font-family:Times New Roman;font-size:7.5pt;' >purposes, the Company has historically utilized 90 days past billing for the International Card Services (ICS) segment, as described below in (b). </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Delinquency data for periods other than 90 days past billing is not available due to system constraints. The</font><font style='font-family:Times New Roman;font-size:7.5pt;' >refore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. For Card Member receivables in GCS as of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >December</font><font style='font-family:Times New Roman;font-size:7.5pt;' > 31</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, 2014 and ICS and GCS as of December 31, 2013, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card</font><font style='font-family:Times New Roman;font-size:7.5pt;' > Member&#8217;s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amoun</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ts are shown above as 90+ Days Past Due for presentation purposes. </font></li></ul></div> 128000000 290000000 134000000 57772000000 61995000000 183000000 306000000 179000000 7621000000 28000000 8664000000 43000000 39000000 57000000 27000000 55000000 129000000 72000000 69000000 21488000000 125000000 22096000000 171000000 160000000 83000000 47000000 132000000 120000000 62592000000 58395000000 7744000000 8790000000 21842000000 22468000000 7653000000 7771000000 14391000000 14583000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:10pt;' >s present</font><font style='font-family:Times New Roman;font-size:10pt;' > the key credit quality indicators </font><font style='font-family:Times New Roman;font-size:10pt;' >as of or </font><font style='font-family:Times New Roman;font-size:10pt;' >for the years </font><font style='font-family:Times New Roman;font-size:10pt;' >ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >30 Days</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >30 Days</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal,</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal,</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest, &amp;</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a % of</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest, &amp;</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > as a % of</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Only</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fees</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Only</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fees</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.5</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.7</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.0</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.8</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.4</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.4</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.8</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.7</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.9</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.1</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.3</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Loss</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Loss</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ratio as</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ratio as</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a % of</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Billing</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a % of</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Billing</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charge</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a % of</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charge</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a % of</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Volume</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Receivables</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Volume</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Receivables</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >0.20</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Commercial Services </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >0.09</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >0.8</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >0.08</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >0.9</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company presents a net write-off rate based on principal losses only (i.e.</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > excluding interest and/or fees) to be consistent with industry convention. </font><font style='font-family:Times New Roman;font-size:8pt;' >In addition, b</font><font style='font-family:Times New Roman;font-size:8pt;' >ecause the Company</font><font style='font-family:Times New Roman;font-size:8pt;' > considers </font><font style='font-family:Times New Roman;font-size:8pt;' >uncollectible interest and/or fees</font><font style='font-family:Times New Roman;font-size:8pt;' > in estimating </font><font style='font-family:Times New Roman;font-size:8pt;' >its</font><font style='font-family:Times New Roman;font-size:8pt;' > reserves</font><font style='font-family:Times New Roman;font-size:8pt;' > for</font><font style='font-family:Times New Roman;font-size:8pt;' > credit</font><font style='font-family:Times New Roman;font-size:8pt;' > losses, a net write-off rate including principal, interest and/or fees is also presented.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning in 2014, write-offs for certain installment loan products have been reclassified from Card Member receivables to Card Member loans. Pri</font><font style='font-family:Times New Roman;font-size:8pt;' >or period write-offs have not been reclassified. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Historically, net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented. Beginning in </font><font style='font-family:Times New Roman;font-size:8pt;' >the </font><font style='font-family:Times New Roman;font-size:8pt;' >first quarter 2014, as a result of system enhancements, 30 days past du</font><font style='font-family:Times New Roman;font-size:8pt;' >e as a % of total, n</font><font style='font-family:Times New Roman;font-size:8pt;' >et write-off rate (principal only) and Net write-off rate (principal and fees) have been presented. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 0.01 0.017 0.018 0.011 0.015 0.02 0.02 0.023 0.014 0.024 0.019 0.016 0.017 0.017 0.016 0.016 0.018 0.019 0.002 0.011 0.0009 0.009 0.0008 0.008 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provide</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > additional information with respect to th</font><font style='font-family:Times New Roman;font-size:10pt;' >e Company&#8217;s impaired Card Member loans, which are not significant for GCS, and Card Member receivables, which are not significant for ICS and GCS, as of or for</font><font style='font-family:Times New Roman;font-size:10pt;' > the years ended December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:18pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='16' rowspan='1' style='width:321.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >As of December 31, 2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Year Ended</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31, 2014</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans over</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance of</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&amp; Accruing</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Allowance</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >for TDRs</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Recognized</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 161 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 241 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 286 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 688 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 646 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 67 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 750 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 49 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 56 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 16 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 35 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 47 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 218 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 241 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 334 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 793 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 750 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 102 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 859 </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 65 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:18pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='16' rowspan='1' style='width:321.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >As of December 31, 2013</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Year Ended</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31, 2013</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans over</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance of</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&amp; Accruing</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Allowance</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >for TDRs</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Recognized</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(f)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 167 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 294 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 351 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 812 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 775 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 78 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 948 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 46 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 54 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 67 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 16 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 49 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 38 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 81 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 221 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 298 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 406 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 925 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 886 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 116 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,096 </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 62 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:18pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='16' rowspan='1' style='width:321.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >As of December 31, 2012</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Year Ended</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31, 2012</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans over</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance of</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&amp; Accruing</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Allowance</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >for TDRs</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Recognized</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 73 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 426 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 627 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,126 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,073 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 152 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,221 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 47 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 59 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 70 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 69 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 75 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 16 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 117 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 117 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 111 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 91 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 135 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 132 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 431 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 750 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,313 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,253 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 244 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,431 </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The Company&#8217;s policy is generally to accrue interest through the date of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >write</font><font style='font-family:Times New Roman;font-size:7.5pt;' >-</font><font style='font-family:Times New Roman;font-size:7.5pt;' >off (i.e.</font><font style='font-family:Times New Roman;font-size:7.5pt;' > 180 days past due). The Company establishes reserves for interest that the Company believes will not be collected.</font><font style='font-family:Times New Roman;font-size:7.5pt;' > Amounts presented exclude loans modified as a TDR.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Non-accrual loans not in modification </font><font style='font-family:Times New Roman;font-size:7.5pt;' >programs </font><font style='font-family:Times New Roman;font-size:7.5pt;' >include certain Card Member loans placed with outside collection agencies for which the Company has ceased accruing interest. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Total loans and receivables modified as a TDR includes </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >34</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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >43</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >320</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million that are non-accrual and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >26</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >29</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million 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;' >6</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million that are past due 90 days </font><font style='font-family:Times New Roman;font-size:7.5pt;' >and still</font><font style='font-family:Times New Roman;font-size:7.5pt;' > accruing interest as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >2013</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;' >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;' > respectively. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><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 interest and fees.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Represents the reserve for losses for 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 impa</font><font style='font-family:Times New Roman;font-size:7.5pt;' >irmen</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 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 </font><font style='font-family:Times New Roman;font-size:7.5pt;' >4</font><font style='font-family:Times New Roman;font-size:7.5pt;' > for further</font><font style='font-family:Times New Roman;font-size:7.5pt;' > disclosures regarding</font><font style='font-family:Times New Roman;font-size:7.5pt;' > the reserve for losses on loans over 90 days past due and</font><font style='font-family:Times New Roman;font-size:7.5pt;' > accruing interest and non-accrual loans, which are evaluated collectively for impairment.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >For the year 2013, certain amounts and their related reserves have been reclassified between Non-Accrual Loans and Loans</font><font style='font-family:Times New Roman;font-size:7.5pt;' > &amp; Receivables Modified as TDR.</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font></li></ul></div> 167000000 221000000 54000000 0 298000000 406000000 925000000 886000000 116000000 334000000 241000000 218000000 750000000 102000000 793000000 294000000 688000000 646000000 67000000 351000000 775000000 812000000 78000000 241000000 161000000 286000000 4000000 0 0 56000000 5000000 0 57000000 0 57000000 62000000 63000000 48000000 50000000 0 49000000 0 0 38000000 48000000 35000000 50000000 48000000 62000000 1096000000 65000000 859000000 244000000 750000000 1313000000 1253000000 1431000000 132000000 431000000 63000000 1221000000 152000000 47000000 73000000 627000000 49000000 750000000 948000000 426000000 1073000000 1126000000 46000000 75000000 16000000 59000000 69000000 70000000 6000000 67000000 5000000 16000000 1000000 16000000 62000000 0 0 135000000 0 81000000 47000000 0 91000000 0 117000000 111000000 117000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides additional information with respect to the U.S. Card Services (USCS) Card Member loans and receivables modified as TDRs 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;' >s ended </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31</font><font style='font-family:Times New Roman;font-size:10pt;' >. The ICS and GCS Card </font><font style='font-family:Times New Roman;font-size:10pt;' >Member loans and receivables modifications were not significant</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Interest </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Payment </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a,b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Rate Reduction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Term Extensions </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(in thousands)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >($ in millions) </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(% points)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(# of months)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 46 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 342 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >10</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 176 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >12</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 518 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Interest </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Payment </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;text-align:left;border-color:Black;min-width:251.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a,b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Rate Reduction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Term Extensions </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(in thousands)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >($ in millions) </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(% points)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(# of months)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 448 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 20 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 247 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 80 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 695 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Interest </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Payment </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;text-align:left;border-color:Black;min-width:251.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a,b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Rate Reduction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Term Extensions </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(in thousands)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >($ in millions) </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(% points)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(# of months)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 106 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 779 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 425 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 143 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,204 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:60pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents the outstanding balance immediately prior to modification. </font><font style='font-family:Times New Roman;font-size:8pt;' >In certain m</font><font style='font-family:Times New Roman;font-size:8pt;' >odifications</font><font style='font-family:Times New Roman;font-size:8pt;' >, the principal balance was reduced in the</font><font style='font-family:Times New Roman;font-size:8pt;' > aggregate</font><font style='font-family:Times New Roman;font-size:8pt;' > amount of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >4</font><font style='font-family:Times New Roman;font-size:8pt;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >24</font><font style='font-family:Times New Roman;font-size:8pt;' > million for the years ended 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;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > respectively. </font><font style='font-family:Times New Roman;font-size:8pt;' >Modifications did not reduce the aggregate principal balance for the year ended December 31, 2014.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance includes principal, fees and accrued interest on Card M</font><font style='font-family:Times New Roman;font-size:8pt;' >ember loans and principal and fees on Card Member receivables.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest be</font><font style='font-family:Times New Roman;font-size:8pt;' >aring.</font></li></ul></div> 80000 61000 46000 60000 20000 15000 1204000000 106000 37000 143000 695000000 518000000 342000000 779000000 448000000 247000000 176000000 425000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides information </font><font style='font-family:Times New Roman;font-size:10pt;' >for the years ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >with respect to the</font><font style='font-family:Times New Roman;font-size:10pt;' > USCS</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 receivables modified as TDRs </font><font style='font-family:Times New Roman;font-size:10pt;' >that subsequently defaulted</font><font style='font-family:Times New Roman;font-size:10pt;' > within 12 months</font><font style='font-family:Times New Roman;font-size:10pt;' > of modification</font><font style='font-family:Times New Roman;font-size:10pt;' >. A </font><font style='font-family:Times New Roman;font-size:10pt;' >Card </font><font style='font-family:Times New Roman;font-size:10pt;' >Member</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >is considered in default</font><font style='font-family:Times New Roman;font-size:10pt;' > from a modification program after</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >one and up to </font><font style='font-family:Times New Roman;font-size:10pt;' >two</font><font style='font-family:Times New Roman;font-size:10pt;' > consecutive missed payments, depending on the terms of the modification program.</font><font style='font-family:Times New Roman;font-size:10pt;' > For all Card Members that defaulted from a modification program, the probability of default</font><font style='font-family:Times New Roman;font-size:10pt;' > is factored into the reserves for Card Member loans and receivables. The defaulted ICS Card Member loan and receivable modifications were not significant.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted: </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 10 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 85 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 44 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 13 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 129 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 18 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 159 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 38 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 21 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 197 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 23 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 182 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 24 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 219 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance includes principal, fees, and accrued interest</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >on Card Member l</font><font style='font-family:Times New Roman;font-size:8pt;' >oans and pri</font><font style='font-family:Times New Roman;font-size:8pt;' >ncipal and fees on Card Member r</font><font style='font-family:Times New Roman;font-size:8pt;' >eceivables</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></p></div> 10000 129000000 44000000 3000 85000000 13000 18000 197000000 3000 159000000 21000 38000000 219000000 24000 182000000 23000 1000 37000000 358000000 402000000 383000000 452000000 428000000 493000000 15000000 12000000 87000000 25000000 -10000000 -1000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >R</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eserves for losses relating to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans and receivables represent management&#8217;s best estimate of the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >probable inherent losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >in the Company&#8217;s outstanding portfolio of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loans and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >receivables</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, as of the Balance S</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >heet date</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. Management&#8217;s evaluation process requires certain estimates and judgments. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Reserves for losses are primarily based upon statistical </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and analytical </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >models that analyze portfolio performance and reflect management&#8217;s judgment regarding the quantita</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >tive components of the reserve. The models take into account several factors, including </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >delinquency based </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loss migration rates</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, loss emergence periods</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and average losses and recoveries over an appropriate historical period. Management considers whether to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >adjust the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >quantitative reserves</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > for </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >certain external and internal</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > qualitative factors</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >which </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >may increase or decrease the reserves for losses on Card Member loans </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and receivables. External </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >factors </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >include employment, spend, sentiment</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >housing and credit, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and changes in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the l</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >egal and regulatory environment while internal factors include increased risk in certain portfolios, impact of risk management initiatives, changes in underwriting requirements and overall process stability. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >As par</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >t 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><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > ratios</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loans and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >receivables balances are written off when management </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >considers</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > amounts to be uncollectible</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, which </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >is generally determined by the number of days past due</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and is typically no later than</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 180 days</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > past due</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans and r</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eceivables in bankru</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ptcy or owed by deceased individuals are </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >generally </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >written off upon notification</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, and</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >r</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ecoveries are recognized </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >as they are collected</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div> <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 4</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#1C91FF;' > </font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >Reserves for Losses</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >R</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eserves for losses relating to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans and receivables represent management&#8217;s best estimate of the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >probable inherent losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >in the Company&#8217;s outstanding portfolio of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loans and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >receivables</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, as of the Balance S</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >heet date</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. Management&#8217;s evaluation process requires certain estimates and judgments. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Reserves for losses are primarily based upon statistical </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and analytical </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >models that analyze portfolio performance and reflect management&#8217;s judgment regarding the quantita</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >tive components of the reserve. The models take into account several factors, including </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >delinquency based </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loss migration rates</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, loss emergence periods</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and average losses and recoveries over an appropriate historical period. Management considers whether to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >adjust the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >quantitative reserves</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > for </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >certain external and internal</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > qualitative factors</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >which </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >may increase or decrease the reserves for losses on Card Member loans </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and receivables. External </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >factors </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >include employment, spend, sentiment</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >housing and credit, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and changes in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the l</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >egal and regulatory environment while internal factors include increased risk in certain portfolios, impact of risk management initiatives, changes in underwriting requirements and overall process stability. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >As par</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >t 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><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > ratios</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loans and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >receivables balances are written off when management </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >considers</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > amounts to be uncollectible</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, which </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >is generally determined by the number of days past due</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and is typically no later than</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 180 days</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > past due</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans and r</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eceivables in bankru</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ptcy or owed by deceased individuals are </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >generally </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >written off upon notification</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, and</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >r</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ecoveries are recognized </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >as they are collected</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Changes in Card Member Receivables Reserve for Losses</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents changes in the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > receivable</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s reserve for losses for the years ended December 31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Balance, January&#160;1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >386</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >428</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >438</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >792</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >648</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >601</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Net write-offs</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >(683)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(669)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(640)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >(30)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(21)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >29</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Balance, December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >465</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >386</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >428</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >P</font><font style='font-family:Times New Roman;font-size:7.5pt;' >rovisions for principal (resulting from authorized transactions) and fee reserve components. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >C</font><font style='font-family:Times New Roman;font-size:7.5pt;' >onsist</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;' > of principal (resulting from authorized transactions) and fee components, less recoveries of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >358</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >million, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >402</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >383</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >million</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, including net write-offs from TDRs of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >15</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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >87</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;' >for</font><font style='font-family:Times New Roman;font-size:7.5pt;' > the years ended December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >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;' >and </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;' >, respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Beginning in </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;' >first quarter 2014, r</font><font style='font-family:Times New Roman;font-size:7.5pt;' >eserves for card-related fraud losses of $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(7)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million are included in Other liabilities. Also includes foreign currency translation adjustments of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(15)</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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(4)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >2</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >years ended December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' >, respectively; a reclassification of Card Member bankruptcy reserves of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >18</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million from Other liabilities to credit reserves in </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;' > only and other items of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(8)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > milli</font><font style='font-family:Times New Roman;font-size:7.5pt;' >on, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(17)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >9</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the years ended December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' >, respectively.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Card Member Receivables Evaluated Individually and Collectively for Impairment</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The fo</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >llowing table presents Card </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Member receivables evaluated individually and collectively for impairment and related reserves as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Card Member receivables evaluated individually for impairment</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >48</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >50</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >117</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >35</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >38</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >91</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Card Member receivables evaluated collectively for impairment </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >44,803</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >44,113</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >42,649</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >430</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >348</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >337</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents receivables modified in a TDR and related reserves. Refer to the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:8pt;' >Loans and </font><font style='font-family:Times New Roman;font-size:8pt;' >Receivables discussion in Note 3</font><font style='font-family:Times New Roman;font-size:8pt;' > for further information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The reserves include the quantitative results of analytical models that are specific to </font><font style='font-family:Times New Roman;font-size:8pt;' >individual pools of receivables and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Changes in Card Member Loans Reserve for Losses</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents changes </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >in the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans reserve for losses for</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the years ended December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance, January 1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1,261</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,471</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,874</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1,138</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,115</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,030</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net write-offs </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(1,023)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(1,141)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(1,280)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest and fees</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(164)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(150)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(157)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(34)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance, December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1,201</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,261</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,471</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >rovisions for principal (resulting from authorized transactions), interest and fee reserves components</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:2pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Consists of principal write-offs (resulting from authorized transa</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ctions), less recoveries of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >428</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million, $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >452</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >493</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million,</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > including</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > net write-offs from TDRs of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(10)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(1)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >25</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >million, for the </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >years </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ended </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, respectively. Recoveries of interest and fees we</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >re de </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >minimis</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:2pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Beginning in</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > the</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > first quarter 2014, reserves for </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >card-related fraud losses of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(6)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >million are </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >included</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > in </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ther liabilities. </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Also </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >include</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > foreign currency translation adjustments of </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(17)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(12)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >mi</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >llion and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >7</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million for the </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >years</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > ended </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, respectively, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >a reclassification of Card Member bankruptcy reserves of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million from Other liabilities to credit reserves in 2012 only </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >and other items of </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(22)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >m</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >illion and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(7)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million for the years</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > ended </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, respectively. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Card Member Loans Evaluated Individually and Collectively for Impairment</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans evaluated individually for impairment </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >286</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >356</font></td><td style='width:10.5pt;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >633</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >67</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >78</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >153</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans evaluated collectively for impairment </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >70,100</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >66,882</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >64,596</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,134</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,183</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,318</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents loans modified</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > in a TDR and related reserves.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Refer to the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans and Receivables discussion in Note </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > for further information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents current loans and loans less than 90 days past due, loans over 90 days past due and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans and reserves for internal and external qualitative risk factors that apply to loans that are collect</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ively evaluated for impairment.</font></li></ul></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents changes in the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > receivable</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s reserve for losses for the years ended December 31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Balance, January&#160;1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >386</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >428</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >438</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >792</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >648</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >601</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Net write-offs</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >(683)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(669)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(640)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >(30)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(21)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >29</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Balance, December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >465</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >386</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >428</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >P</font><font style='font-family:Times New Roman;font-size:7.5pt;' >rovisions for principal (resulting from authorized transactions) and fee reserve components. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >C</font><font style='font-family:Times New Roman;font-size:7.5pt;' >onsist</font><font style='font-family:Times New Roman;font-size:7.5pt;' >s</font><font style='font-family:Times New Roman;font-size:7.5pt;' > of principal (resulting from authorized transactions) and fee components, less recoveries of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >358</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >402</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >383</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </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;' >, including net write-offs from TDRs of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >15</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million 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;' >87</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;' >for</font><font style='font-family:Times New Roman;font-size:7.5pt;' > the years ended December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >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;' >and </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;' >, respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Beginning in </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;' >first quarter 2014, r</font><font style='font-family:Times New Roman;font-size:7.5pt;' >eserves for card-related fraud losses of $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(7)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million are included in Other liabilities. Also includes foreign currency translation adjustments of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(15)</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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(4)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >2</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >years ended December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' >, respectively; a reclassification of Card Member bankruptcy reserves of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >18</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million from Other liabilities to credit reserves in </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;' > only and other items of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(8)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > milli</font><font style='font-family:Times New Roman;font-size:7.5pt;' >on, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >(17)</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >9</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the years ended December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' >, respectively.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 438000000 -21000000 -30000000 29000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The fo</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >llowing table presents Card </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Member receivables evaluated individually and collectively for impairment and related reserves as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Card Member receivables evaluated individually for impairment</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >48</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >50</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >117</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >35</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >38</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >91</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Card Member receivables evaluated collectively for impairment </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >44,803</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >44,113</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >42,649</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >430</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >348</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >337</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents receivables modified in a TDR and related reserves. Refer to the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:8pt;' >Loans and </font><font style='font-family:Times New Roman;font-size:8pt;' >Receivables discussion in Note 3</font><font style='font-family:Times New Roman;font-size:8pt;' > for further information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The reserves include the quantitative results of analytical models that are specific to </font><font style='font-family:Times New Roman;font-size:8pt;' >individual pools of receivables and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 430000000 44803000000 35000000 48000000 38000000 348000000 44113000000 50000000 337000000 117000000 42649000000 91000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents changes </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >in the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans reserve for losses for</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the years ended December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance, January 1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1,261</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,471</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,874</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1,138</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,115</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,030</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net write-offs </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(1,023)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(1,141)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(1,280)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest and fees</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(164)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(150)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(157)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(34)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance, December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1,201</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,261</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1,471</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >rovisions for principal (resulting from authorized transactions), interest and fee reserves components</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:2pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Consists of principal write-offs (resulting from authorized transa</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ctions), less recoveries of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >428</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million, $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >452</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >493</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million,</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > including</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > net write-offs from TDRs of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(10)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(1)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >25</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >million, for the </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >years </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ended </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, respectively. Recoveries of interest and fees we</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >re de </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >minimis</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:2pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Beginning in</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > the</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > first quarter 2014, reserves for </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >card-related fraud losses of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(6)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >million are </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >included</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > in </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ther liabilities. </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Also </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >include</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > foreign currency translation adjustments of </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(17)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(12)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >mi</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >llion and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >7</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million for the </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >years</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > ended </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, respectively, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >a reclassification of Card Member bankruptcy reserves of $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million from Other liabilities to credit reserves in 2012 only </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >and other items of </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(22)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >m</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >illion and $</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(7)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > million for the years</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > ended </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, respectively. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 1115000000 1030000000 1138000000 -1280000000 -1023000000 -1141000000 -150000000 -164000000 -157000000 1874000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans evaluated individually for impairment </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >286</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >356</font></td><td style='width:10.5pt;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >633</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >67</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >78</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >153</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans evaluated collectively for impairment </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >70,100</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >66,882</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >64,596</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Related reserves</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,134</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,183</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,318</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents loans modified</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > in a TDR and related reserves.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Refer to the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans and Receivables discussion in Note </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > for further information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents current loans and loans less than 90 days past due, loans over 90 days past due and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans and reserves for internal and external qualitative risk factors that apply to loans that are collect</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ively evaluated for impairment.</font></li></ul></div> 67000000 70100000000 286000000 1134000000 78000000 66882000000 356000000 1183000000 64596000000 1318000000 153000000 633000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 5</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Investment S</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >ecurities </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Investment securities include debt and equity securities</font><font style='font-family:Times New Roman;font-size:10pt;' > that the Company classifies</font><font style='font-family:Times New Roman;font-size:10pt;' > as available</font><font style='font-family:Times New Roman;font-size:10pt;' >-</font><font style='font-family:Times New Roman;font-size:10pt;' >for</font><font style='font-family:Times New Roman;font-size:10pt;' >-</font><font style='font-family:Times New Roman;font-size:10pt;' >sale. The Company&#8217;s investment securities, principally debt securities, are carried at fair value on the Consolidated Balanc</font><font style='font-family:Times New Roman;font-size:10pt;' >e Sheets with unrealized </font><font style='font-family:Times New Roman;font-size:10pt;' >gains (losses) recorded in AOCI, net of income tax</font><font style='font-family:Times New Roman;font-size:10pt;' >es.</font><font style='font-family:Times New Roman;font-size:10pt;' > Realized gains and losses are recognized in results of operations upon disposition of the securities using the specific identification method on a trade date basis. Refer to Note </font><font style='font-family:Times New Roman;font-size:10pt;' >15</font><font style='font-family:Times New Roman;font-size:10pt;' > for a description of</font><font style='font-family:Times New Roman;font-size:10pt;' > the Company&#8217;s methodology for determining the fair value of investment securities.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a summary of investment securities as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:141.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:171.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:171.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td colspan='1' rowspan='3' style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >State and municipal obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3,366 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >129</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3,493 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,060</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >54</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(79)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,035</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,474</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >U.S. Government agency obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >U.S. Government treasury obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >346 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >350 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >318</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >320</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >338</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Corporate debt securities</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >37 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >40 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >43</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >46</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >79</font></td></tr><tr style='height:10.5pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Mortgage-backed securities</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >128 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >136 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >160</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >164</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >224</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Equity securities</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >1</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >29</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >95</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >124</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >296</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Foreign government bonds and obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >350 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >9</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >359 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >272</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >276</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >149</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >50 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >49 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >50</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >48</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >51</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4,280 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >154 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4,431 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,935</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >165</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(84)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5,016</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5,614</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ginnie</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Mae. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Primarily r</font><font style='font-family:Times New Roman;font-size:8pt;' >epr</font><font style='font-family:Times New Roman;font-size:8pt;' >esents the Company&#8217;s investment </font><font style='font-family:Times New Roman;font-size:8pt;' >in the Industrial and Commercial Bank of China (</font><font style='font-family:Times New Roman;font-size:8pt;' >ICBC) as of December 31, 2013 and 2012</font><font style='font-family:Times New Roman;font-size:8pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:9.8pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other comprises investments in various mutual funds.</font></li></ul></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides information about the Company&#8217;s investment securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position 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;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:157.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:157.5pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:178.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:178.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12 months or more</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12 months or more</font></td></tr><tr style='height:9.75pt;' ><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:157.5pt;text-align:left;border-color:Black;min-width:157.5pt;' ></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td></tr><tr style='height:9.75pt;' ><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:157.5pt;text-align:left;border-color:Black;min-width:157.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and municipal obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 72 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,320 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (63)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >106</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(16)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign government bonds and obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 208 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government treasury obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 166 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Mortgage-backed securities</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 35 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 33 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 30 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 17 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,759 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >123</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(17)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='7' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 12 months</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='7' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12 months or more</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='7' rowspan='1' style='width:125.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:125.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ratio of Fair Value to</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Amortized Cost </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Dollars in millions)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Securities</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Securities</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Securities</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total as of December 31, 2014</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >228</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,665</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (53)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >24</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >234</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,689</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(55)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 90%</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >94</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(14)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >99</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(15)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >193</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(29)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total as of December 31, 2013</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >241</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,759</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >123</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >252</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,882</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(84)</font></td></tr><tr style='height:1.5pt;' ><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:140.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:140.25pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:26.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The gross unrealized losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >are attributed to overall wider </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >credit spreads for state and municipal securities, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >wider</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > credit spreads for specific issuers, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >adverse </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >changes in market benchmark interest rates, or a combination thereof, all as compared to those prevailing when the investment securities were acquired</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Overall, for the investment securities in gross unrealize</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >d loss positions identified above</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)&#160;the Company does not intend to sell the investment s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ecurities, (ii</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)&#160;it is more likely than not that the Company will not be required to sell the investment securities before recovery of the unrealized losses</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, and (iii</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)&#160;the Company expects that the contractual principal and interest will be received on the investment securities. As a result, the Company recognized no o</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ther-than-temporary </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >impairment during the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > periods presented</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Supplemental Information </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Contractual maturities</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and weighted average yields</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >f</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >or</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > investment securities, excluding equity securities and other securities</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > as of</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > December 31,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >we</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >re as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td colspan='1' rowspan='2' style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td colspan='1' rowspan='2' style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due after 1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due after 5</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due within</font></td><td colspan='2' rowspan='1' style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >year but</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >years but</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due after</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1 year</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >within 5 years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >within 10 years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10 years</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and municipal obligations</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >182</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >74</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >233</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,004</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,493</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government agency obligations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government treasury obligations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >66</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >264</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >12</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >350</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate debt securities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >34</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >40</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Mortgage-backed securities</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >134</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >136</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign government bonds and obligations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >307</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >45</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >359</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Estimated Fair Value</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >561</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >381</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >241</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,198</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >4,381</font></td></tr><tr style='height:6pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Cost</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >560</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >374</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >225</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,071</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >4,230</font></td></tr><tr style='height:6pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Weighted average yields</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.50</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.07</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6.71</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6.81</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The expected payments on state and municipal obligations and mortgage-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average yields for investment securities </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >have been calculated using the effective yield on the date of purchase.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Yields on tax-exempt investment securities have been computed on a tax-equivalent basis using the U.S. federal statutory tax rate of 35 percent.</font></li></ul></div> 0 0 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Investment securities include debt and equity securities</font><font style='font-family:Times New Roman;font-size:10pt;' > that the Company classifies</font><font style='font-family:Times New Roman;font-size:10pt;' > as available</font><font style='font-family:Times New Roman;font-size:10pt;' >-</font><font style='font-family:Times New Roman;font-size:10pt;' >for</font><font style='font-family:Times New Roman;font-size:10pt;' >-</font><font style='font-family:Times New Roman;font-size:10pt;' >sale. The Company&#8217;s investment securities, principally debt securities, are carried at fair value on the Consolidated Balanc</font><font style='font-family:Times New Roman;font-size:10pt;' >e Sheets with unrealized </font><font style='font-family:Times New Roman;font-size:10pt;' >gains (losses) recorded in AOCI, net of income tax</font><font style='font-family:Times New Roman;font-size:10pt;' >es.</font><font style='font-family:Times New Roman;font-size:10pt;' > Realized gains and losses are recognized in results of operations upon disposition of the securities using the specific identification method on a trade date basis. Refer to Note </font><font style='font-family:Times New Roman;font-size:10pt;' >15</font><font style='font-family:Times New Roman;font-size:10pt;' > for a description of</font><font style='font-family:Times New Roman;font-size:10pt;' > the Company&#8217;s methodology for determining the fair value of investment securities.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The gross unrealized losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >are attributed to overall wider </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >credit spreads for state and municipal securities, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >wider</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > credit spreads for specific issuers, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >adverse </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >changes in market benchmark interest rates, or a combination thereof, all as compared to those prevailing when the investment securities were acquired</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Overall, for the investment securities in gross unrealize</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >d loss positions identified above</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)&#160;the Company does not intend to sell the investment s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ecurities, (ii</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)&#160;it is more likely than not that the Company will not be required to sell the investment securities before recovery of the unrealized losses</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, and (iii</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)&#160;the Company expects that the contractual principal and interest will be received on the investment securities. As a result, the Company recognized no o</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ther-than-temporary </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >impairment during the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > periods presented</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a summary of investment securities as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:141.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='11' rowspan='1' style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:171.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:171.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:171.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td colspan='1' rowspan='3' style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >State and municipal obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3,366 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >129</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3,493 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,060</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >54</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(79)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,035</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,474</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >U.S. Government agency obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >U.S. Government treasury obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >346 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >350 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >318</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >320</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >338</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Corporate debt securities</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >37 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >40 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >43</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >3</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >46</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >79</font></td></tr><tr style='height:10.5pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Mortgage-backed securities</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >128 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >136 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >160</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >164</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >224</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Equity securities</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >1</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >29</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >95</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >124</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >296</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Foreign government bonds and obligations</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >350 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >9</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >359 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >272</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >276</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >149</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >50 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >49 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >50</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >48</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >51</font></td></tr><tr style='height:9.75pt;' ><td style='width:141.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4,280 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >154 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4,431 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4,935</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >165</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(84)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5,016</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >5,614</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ginnie</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Mae. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Primarily r</font><font style='font-family:Times New Roman;font-size:8pt;' >epr</font><font style='font-family:Times New Roman;font-size:8pt;' >esents the Company&#8217;s investment </font><font style='font-family:Times New Roman;font-size:8pt;' >in the Industrial and Commercial Bank of China (</font><font style='font-family:Times New Roman;font-size:8pt;' >ICBC) as of December 31, 2013 and 2012</font><font style='font-family:Times New Roman;font-size:8pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:9.8pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other comprises investments in various mutual funds.</font></li></ul></div> 4280000000 3366000000 3000000 346000000 37000000 128000000 0 350000000 50000000 3493000000 3000000 350000000 40000000 136000000 1000000 359000000 49000000 4935000000 4060000000 3000000 318000000 43000000 160000000 29000000 272000000 50000000 4035000000 3000000 320000000 46000000 164000000 124000000 276000000 48000000 154000000 165000000 84000000 3000000 79000000 54000000 2000000 129000000 0 0 0 0 1000000 0 4000000 3000000 0 3000000 0 3000000 1000000 8000000 5000000 0 0 95000000 1000000 0 9000000 1000000 0 5000000 2000000 0 0 1000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides information about the Company&#8217;s investment securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position 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;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:157.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:157.5pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:178.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:178.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12 months or more</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:88.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12 months or more</font></td></tr><tr style='height:9.75pt;' ><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:157.5pt;text-align:left;border-color:Black;min-width:157.5pt;' ></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td></tr><tr style='height:9.75pt;' ><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:157.5pt;text-align:left;border-color:Black;min-width:157.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td colspan='2' rowspan='1' style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td colspan='2' rowspan='1' style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair&#160;Value</font></td><td colspan='2' rowspan='1' style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and municipal obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 72 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,320 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (63)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >106</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(16)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign government bonds and obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 208 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government treasury obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 166 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Mortgage-backed securities</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 35 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 33 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 30 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 17 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:174.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:174.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,759 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >123</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(17)</font></td></tr></table></div> 0 0 72000000 0 105000000 0 1759000000 1320000000 208000000 123000000 106000000 0 -16000000 -63000000 -2000000 0 0 -1000000 0 0 0 0 0 0 0 0 0 0 33000000 0 0 -1000000 -1000000 0 0 166000000 35000000 0 0 -1000000 -1000000 -1000000 17000000 30000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td colspan='7' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 12 months</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='7' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12 months or more</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:5.25pt;' ></td><td colspan='7' rowspan='1' style='width:125.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:125.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ></td><td colspan='1' rowspan='3' style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ratio of Fair Value to</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td colspan='2' rowspan='1' style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated</font></td><td colspan='2' rowspan='1' style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Amortized Cost </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Dollars in millions)</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Securities</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Securities</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Securities</font></td><td colspan='2' rowspan='1' style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Losses</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total as of December 31, 2014</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >15 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >105 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(3)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013:</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >228</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,665</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (53)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >24</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >234</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,689</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(55)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less than 90%</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >94</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(14)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >99</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(15)</font></td><td style='width:5.25pt;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >193</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(29)</font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:146.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:146.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total as of December 31, 2013</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >241</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,759</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >123</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >252</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,882</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(84)</font></td></tr><tr style='height:1.5pt;' ><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:140.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:140.25pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:27pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:27pt;' ></td><td style='width:5.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:26.25pt;' ></td></tr></table></div> 0 1665000000 0 105000000 24000000 0 105000000 105000000 1689000000 0 1882000000 241 -67000000 -17000000 252 11 -84000000 15 15 0 -3000000 0 -3000000 6 15 228 0 15 234 0 0 0 0 -53000000 -2000000 -3000000 -3000000 -55000000 0 0 0 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Contractual maturities</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and weighted average yields</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >f</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >or</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > investment securities, excluding equity securities and other securities</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > as of</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > December 31,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >we</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >re as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td colspan='1' rowspan='2' style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td colspan='1' rowspan='2' style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due after 1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due after 5</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due within</font></td><td colspan='2' rowspan='1' style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >year but</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >years but</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Due after</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1 year</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >within 5 years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >within 10 years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10 years</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and municipal obligations</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >182</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >74</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >233</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,004</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,493</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government agency obligations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government treasury obligations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >66</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >264</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >12</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >350</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate debt securities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >34</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >40</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Mortgage-backed securities</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >134</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >136</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign government bonds and obligations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >307</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >45</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >359</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Estimated Fair Value</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >561</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >381</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >241</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,198</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >4,381</font></td></tr><tr style='height:6pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Cost</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >560</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >374</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >225</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,071</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >4,230</font></td></tr><tr style='height:6pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Weighted average yields</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.50</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.07</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6.71</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6.81</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:44.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The expected payments on state and municipal obligations and mortgage-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average yields for investment securities </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >have been calculated using the effective yield on the date of purchase.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Yields on tax-exempt investment securities have been computed on a tax-equivalent basis using the U.S. federal statutory tax rate of 35 percent.</font></li></ul></div> 1200000000 2000000 62000000 56000000 2000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 6</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Asset Securitizations</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > rec</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eivables are transfer</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >red to the American Express Issuance Trust II (the Charge Trust). Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans are transferred to</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >American Express Credit Account Master Trust</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Lending Trust</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Charge </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Trust</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and the Lending Trust are consolidated by American Express Travel </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >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 under</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >lying </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > receivables and loans.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Details on the principles of consolidation can be found in the summary of significant accounting policies (refer to Note 1).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >TRS, in its role as servicer of 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;' > 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 addition, 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 approxim</font><font style='font-family:Times New Roman;font-size:10pt;' >ately </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >1.2</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;' >2014</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</font><font style='font-family:Times New Roman;font-size:10pt;' > 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&#8217; role as servicer for 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;' > does not provide it with a significant obligation to absorb losses or a significant right to receive benefits. However, TRS&#8217; position as the parent company of the </font><font style='font-family:Times New Roman;font-size:10pt;' >entities that transferred the receivables to 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;' >makes it the party most closely related to 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;' >. 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 Trust and the Lending Trust.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The debt securities iss</font><font style='font-family:Times New Roman;font-size:10pt;' >ued 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;' > 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</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</font><font style='font-family:Times New Roman;font-size:10pt;' > arising in th</font><font style='font-family:Times New Roman;font-size:10pt;' >e securitization transactions (refer to Note 3). </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><font style='font-family:Times New Roman;font-size:10pt;' > (refer to Note 9).</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents the restricted cash held by the Charge Trust and the Lending Trust as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, included</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > in Other Assets on the Company&#8217;s Consolidated Balance Sheets: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Charge Trust</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:402pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Lending Trust</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >62</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56</font></td></tr><tr style='height:12.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >These amounts relate to collections of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > receivables and loans to be used by the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > trusts to fund future expenses</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and obligations, including interest pa</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >id </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >on i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >nvestor securities</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, credit losses and upcoming debt maturities</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Under the respective terms of the Charge </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Trust</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and the Lending Trust agreements, the occurrence of certain </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >triggering </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >events </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >associated with the performance of the assets of each trust </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >could result in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >payment of trust expenses, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >establishment of reserve fun</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ds, or</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > in a worst-case scenario, early amortization of i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >nvestor certificates.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >During the year ended</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >no </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >such </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >triggering events occurred</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 6</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Asset Securitizations</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > rec</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eivables are transfer</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >red to the American Express Issuance Trust II (the Charge Trust). Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans are transferred to</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >American Express Credit Account Master Trust</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Lending Trust</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Charge </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Trust</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and the Lending Trust are consolidated by American Express Travel </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >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 under</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >lying </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > receivables and loans.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Details on the principles of consolidation can be found in the summary of significant accounting policies (refer to Note 1).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >TRS, in its role as servicer of 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;' > 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 addition, 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 approxim</font><font style='font-family:Times New Roman;font-size:10pt;' >ately </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >1.2</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;' >2014</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</font><font style='font-family:Times New Roman;font-size:10pt;' > 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&#8217; role as servicer for 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;' > does not provide it with a significant obligation to absorb losses or a significant right to receive benefits. However, TRS&#8217; position as the parent company of the </font><font style='font-family:Times New Roman;font-size:10pt;' >entities that transferred the receivables to 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;' >makes it the party most closely related to 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;' >. 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 Trust and the Lending Trust.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The debt securities iss</font><font style='font-family:Times New Roman;font-size:10pt;' >ued 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;' > 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</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</font><font style='font-family:Times New Roman;font-size:10pt;' > arising in th</font><font style='font-family:Times New Roman;font-size:10pt;' >e securitization transactions (refer to Note 3). </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><font style='font-family:Times New Roman;font-size:10pt;' > (refer to Note 9).</font></p></div> 1100000000 1500000000 622000000 541000000 600000000 900000000 174000000 193000000 198000000 340000000 290000000 117000000 206000000 64000000 58000000 0 0 P3Y0M00D P22Y0M00D P7Y0M00D P6Y0M00D <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 7</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Other A</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >ssets </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a summary of other assets as of December&#160;31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Goodwill</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,024</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,198</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax assets, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,110</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,443</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Prepaid expenses</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,626</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,998</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other intangible assets, at amortized cost</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >854</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >817</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivative assets</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >711</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >329</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restricted cash</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >384</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >486</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,633</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,957</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >11,342</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11,228</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Refer to Notes </font><font style='font-family:Times New Roman;font-size:8pt;' >21 </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >14</font><font style='font-family:Times New Roman;font-size:8pt;' > for a discuss</font><font style='font-family:Times New Roman;font-size:8pt;' >ion of deferred tax assets, net</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >derivative assets, respectively,</font><font style='font-family:Times New Roman;font-size:8pt;' > as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >. Derivative assets reflect the </font><font style='font-family:Times New Roman;font-size:8pt;' >impact</font><font style='font-family:Times New Roman;font-size:8pt;' > of master netting agreements. </font><font style='font-family:Times New Roman;font-size:8pt;' >For</font><font style='font-family:Times New Roman;font-size:8pt;' > 2014, $96 million of foreign deferred </font><font style='font-family:Times New Roman;font-size:8pt;' >tax liabilities is reflected in Other Liabilities.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes prepaid miles and reward points acquired </font><font style='font-family:Times New Roman;font-size:8pt;' >primarily </font><font style='font-family:Times New Roman;font-size:8pt;' >from airline partners of approximately $</font><font style='font-family:Times New Roman;font-size:8pt;' >1.1</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:8pt;' >1.5</font><font style='font-family:Times New Roman;font-size:8pt;' > billion</font><font style='font-family:Times New Roman;font-size:8pt;' > as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively, includ</font><font style='font-family:Times New Roman;font-size:8pt;' >ing approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >0.6</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >0.9</font><font style='font-family:Times New Roman;font-size:8pt;' > billion, respectively, from Delta.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes restricted cash of </font><font style='font-family:Times New Roman;font-size:8pt;' >approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >64</font><font style='font-family:Times New Roman;font-size:8pt;' > m</font><font style='font-family:Times New Roman;font-size:8pt;' >illion and $</font><font style='font-family:Times New Roman;font-size:8pt;' >58</font><font style='font-family:Times New Roman;font-size:8pt;' > million </font><font style='font-family:Times New Roman;font-size:8pt;' >as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >respectively, </font><font style='font-family:Times New Roman;font-size:8pt;' >which is primarily </font><font style='font-family:Times New Roman;font-size:8pt;' >held for</font><font style='font-family:Times New Roman;font-size:8pt;' > coupon and</font><font style='font-family:Times New Roman;font-size:8pt;' > certain asset-backed securitization maturities.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Goodwill </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Goodwill represents the excess of acquisition cost of an acquired business over the fair value of assets acquired and liabilities assumed. The Company assigns goodwill to its re</font><font style='font-family:Times New Roman;font-size:10pt;' >porting units for the purpose of impairment testing. A reporting unit is defined as an operating segment, or a business that is one level below an operating segment for which discrete financial information is regularly reviewed by the operating segment man</font><font style='font-family:Times New Roman;font-size:10pt;' >ager. The Company evaluates goodwill for impairment annually as of June&#160;30 and between annual tests if events occur or circumstances change that would more likely than not reduce the fair value of the reporting unit below its carrying value. The goodwill i</font><font style='font-family:Times New Roman;font-size:10pt;' >mpairment test utilizes a two-step approach. The first step in the impairment test identifies whether there is potential impairment by comparing the fair value of a reporting unit to the carrying amount, including goodwill. If the fair value of a reporting</font><font style='font-family:Times New Roman;font-size:10pt;' > unit is less than its carrying amount, the second step of the impairment test is required to measure the amount of any impairment loss. 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, goodwill was not impaired and there were no accumulated impairment losses. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Goodwill impairment testing involves management judgment, requiring an assessment of whether the carrying value of the reporting unit can be supported by its fair value using widely accepted valuation techniques. The Company uses a combination of the incom</font><font style='font-family:Times New Roman;font-size:10pt;' >e approach (discounted cash flows) and market approach (market multiples).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >When preparing discounted cash flow models under the income approach, the Company uses internal forecasts to estimate future cash flows expected to be generated by the reporting uni</font><font style='font-family:Times New Roman;font-size:10pt;' >ts. Actual results may differ from forecasted results. The Company calculates discount rates based on the expected cost of equity financing, estimated using a capital asset pricing model, to discount future cash flows for each reporting unit. The Company b</font><font style='font-family:Times New Roman;font-size:10pt;' >elieves the discount rates used appropriately reflect the risks and uncertainties in the financial markets generally and specifically in the Company&#8217;s internally developed forecasts. When using market multiples under the market approach, the Company applie</font><font style='font-family:Times New Roman;font-size:10pt;' >s comparable publically traded companies&#8217; multiples (e.g. earnings, revenues) to its reporting units&#8217; actual results.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The changes in the carrying amount of goodwill reported in the Company&#8217;s reportable ope</font><font style='font-family:Times New Roman;font-size:10pt;' >rating segments</font><font style='font-family:Times New Roman;font-size:10pt;' > and Corporate &amp; Other</font><font style='font-family:Times New Roman;font-size:10pt;' > were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate &amp;</font></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td colspan='2' rowspan='1' style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >USCS</font></td><td colspan='2' rowspan='1' style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ICS</font></td><td colspan='2' rowspan='1' style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GCS</font></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNMS</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Other</font></td><td colspan='2' rowspan='1' style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance as of January&#160;1, 2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 175 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,031 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,544 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 160 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 271 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,181 </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Acquisitions</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Dispositions</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other, including foreign currency translation</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 21 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 17 </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance as of December&#160;31, 2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 174 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,052 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,543 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 160 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 269 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,198 </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Acquisitions</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; 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Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (102)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (102)</font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other, including foreign currency translation</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (70)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (72)</font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Balance as of December&#160;31, 2014</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >174</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 982 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,441 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >160</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >267</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,024 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Other Intangible Assets </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Intangible assets, primarily customer relationships, are amortized over their estimated useful lives of </font><font style='font-family:Times New Roman;font-size:10pt;' >3</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;' > years on a straight-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. In addition, on an annual basis, the Company performs an impairment evaluation of all intangible </font><font style='font-family:Times New Roman;font-size:10pt;' >assets by assessing the recoverability of the asset values based on the cash flows generated by the relevant assets or asset groups. </font><font style='font-family:Times New Roman;font-size:10pt;' >An impairment</font><font style='font-family:Times New Roman;font-size:10pt;' > is recognized if the carrying amount is not recoverable and exceeds the asset&#8217;s fair value. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The components of other intangible assets were as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:135pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td colspan='7' rowspan='1' style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td colspan='7' rowspan='1' style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:32.25pt;' ><td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross Carrying Amount</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accumulated Amortization</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Carrying Amount</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross Carrying Amount</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accumulated Amortization</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Carrying Amount</font></td></tr><tr style='height:9.75pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Customer relationships</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,455 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(754)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >701 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,297 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (660)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 637 </font></td></tr><tr style='height:9.75pt;' ><td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >255 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(102)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >153 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 269 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (89)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 180 </font></td></tr><tr style='height:9.75pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,710 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(856)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >854 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,566 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (749)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 817 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes net intangibles acquired from airline partners of $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >340</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >290</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >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;' > respectively, including approximately $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >206</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >117</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, respectively, from Delta.</font></p><p style='text-align:justify;margin-top:9.75pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Amortization expense for the years ended </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >and </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;' >was $</font><font style='font-family:Times New Roman;font-size:10pt;' >174</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >193</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >198</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively. </font><font style='font-family:Times New Roman;font-size:10pt;' >Intangible assets acquired in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > are being amortized, on average, over </font><font style='font-family:Times New Roman;font-size:10pt;' >7</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > years, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Estimated amortization expense for other intangible assets over the next five years is as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:306pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:justify;border-color:Black;min-width:306pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:justify;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2015</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2016</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2017</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2018</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:306pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:justify;border-color:Black;min-width:306pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated amortization expense</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 158 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 134 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 117 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 109 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 87 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Other </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company had $</font><font style='font-family:Times New Roman;font-size:10pt;' >622</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >541</font><font style='font-family:Times New Roman;font-size:10pt;' > million in affordable housing and other tax credit investment partnership interests 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively, included in other assets in the table above. The Company </font><font style='font-family:Times New Roman;font-size:10pt;' >is a non-controlling partner in these tax credit investment partnerships, and therefore accounts for its ownership interests as equity method investment joint ventures. In 2014, the Company received $</font><font style='font-family:Times New Roman;font-size:10pt;' >990</font><font style='font-family:Times New Roman;font-size:10pt;' > million in net cash proceeds for the sale of its equ</font><font style='font-family:Times New Roman;font-size:10pt;' >ity method investment in Concur Technologies (Concur)</font><font style='font-family:Times New Roman;font-size:10pt;' > with a carrying amount of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >246</font><font style='font-family:Times New Roman;font-size:10pt;' > million </font><font style='font-family:Times New Roman;font-size:10pt;' >and recognized a gain of </font><font style='font-family:Times New Roman;font-size:10pt;' >$744 million in Other revenues.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a summary of other assets as of December&#160;31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Goodwill</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,024</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,198</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax assets, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,110</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,443</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Prepaid expenses</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,626</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,998</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other intangible assets, at amortized cost</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >854</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >817</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivative assets</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >711</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >329</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restricted cash</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >384</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >486</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,633</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,957</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >11,342</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11,228</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Refer to Notes </font><font style='font-family:Times New Roman;font-size:8pt;' >21 </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >14</font><font style='font-family:Times New Roman;font-size:8pt;' > for a discuss</font><font style='font-family:Times New Roman;font-size:8pt;' >ion of deferred tax assets, net</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >derivative assets, respectively,</font><font style='font-family:Times New Roman;font-size:8pt;' > as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >. Derivative assets reflect the </font><font style='font-family:Times New Roman;font-size:8pt;' >impact</font><font style='font-family:Times New Roman;font-size:8pt;' > of master netting agreements. </font><font style='font-family:Times New Roman;font-size:8pt;' >For</font><font style='font-family:Times New Roman;font-size:8pt;' > 2014, $96 million of foreign deferred </font><font style='font-family:Times New Roman;font-size:8pt;' >tax liabilities is reflected in Other Liabilities.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes prepaid miles and reward points acquired </font><font style='font-family:Times New Roman;font-size:8pt;' >primarily </font><font style='font-family:Times New Roman;font-size:8pt;' >from airline partners of approximately $</font><font style='font-family:Times New Roman;font-size:8pt;' >1.1</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:8pt;' >1.5</font><font style='font-family:Times New Roman;font-size:8pt;' > billion</font><font style='font-family:Times New Roman;font-size:8pt;' > as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively, includ</font><font style='font-family:Times New Roman;font-size:8pt;' >ing approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >0.6</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >0.9</font><font style='font-family:Times New Roman;font-size:8pt;' > billion, respectively, from Delta.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes restricted cash of </font><font style='font-family:Times New Roman;font-size:8pt;' >approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >64</font><font style='font-family:Times New Roman;font-size:8pt;' > m</font><font style='font-family:Times New Roman;font-size:8pt;' >illion and $</font><font style='font-family:Times New Roman;font-size:8pt;' >58</font><font style='font-family:Times New Roman;font-size:8pt;' > million </font><font style='font-family:Times New Roman;font-size:8pt;' >as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >respectively, </font><font style='font-family:Times New Roman;font-size:8pt;' >which is primarily </font><font style='font-family:Times New Roman;font-size:8pt;' >held for</font><font style='font-family:Times New Roman;font-size:8pt;' > coupon and</font><font style='font-family:Times New Roman;font-size:8pt;' > certain asset-backed securitization maturities.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 384000000 3024000000 711000000 2633000000 1957000000 329000000 3198000000 486000000 1626000000 1998000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Goodwill </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Goodwill represents the excess of acquisition cost of an acquired business over the fair value of assets acquired and liabilities assumed. The Company assigns goodwill to its re</font><font style='font-family:Times New Roman;font-size:10pt;' >porting units for the purpose of impairment testing. A reporting unit is defined as an operating segment, or a business that is one level below an operating segment for which discrete financial information is regularly reviewed by the operating segment man</font><font style='font-family:Times New Roman;font-size:10pt;' >ager. The Company evaluates goodwill for impairment annually as of June&#160;30 and between annual tests if events occur or circumstances change that would more likely than not reduce the fair value of the reporting unit below its carrying value. The goodwill i</font><font style='font-family:Times New Roman;font-size:10pt;' >mpairment test utilizes a two-step approach. The first step in the impairment test identifies whether there is potential impairment by comparing the fair value of a reporting unit to the carrying amount, including goodwill. If the fair value of a reporting</font><font style='font-family:Times New Roman;font-size:10pt;' > unit is less than its carrying amount, the second step of the impairment test is required to measure the amount of any impairment loss. 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, goodwill was not impaired and there were no accumulated impairment losses. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Goodwill impairment testing involves management judgment, requiring an assessment of whether the carrying value of the reporting unit can be supported by its fair value using widely accepted valuation techniques. The Company uses a combination of the incom</font><font style='font-family:Times New Roman;font-size:10pt;' >e approach (discounted cash flows) and market approach (market multiples).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >When preparing discounted cash flow models under the income approach, the Company uses internal forecasts to estimate future cash flows expected to be generated by the reporting uni</font><font style='font-family:Times New Roman;font-size:10pt;' >ts. Actual results may differ from forecasted results. The Company calculates discount rates based on the expected cost of equity financing, estimated using a capital asset pricing model, to discount future cash flows for each reporting unit. The Company b</font><font style='font-family:Times New Roman;font-size:10pt;' >elieves the discount rates used appropriately reflect the risks and uncertainties in the financial markets generally and specifically in the Company&#8217;s internally developed forecasts. When using market multiples under the market approach, the Company applie</font><font style='font-family:Times New Roman;font-size:10pt;' >s comparable publically traded companies&#8217; multiples (e.g. earnings, revenues) to its reporting units&#8217; actual results.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Other Intangible Assets </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Intangible assets, primarily customer relationships, are amortized over their estimated useful lives of </font><font style='font-family:Times New Roman;font-size:10pt;' >3</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;' > years on a straight-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. In addition, on an annual basis, the Company performs an impairment evaluation of all intangible </font><font style='font-family:Times New Roman;font-size:10pt;' >assets by assessing the recoverability of the asset values based on the cash flows generated by the relevant assets or asset groups. </font><font style='font-family:Times New Roman;font-size:10pt;' >An impairment</font><font style='font-family:Times New Roman;font-size:10pt;' > is recognized if the carrying amount is not recoverable and exceeds the asset&#8217;s fair value. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:9.75pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Intangible assets acquired in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > are being amortized, on average, over </font><font style='font-family:Times New Roman;font-size:10pt;' >7</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >6</font><font style='font-family:Times New Roman;font-size:10pt;' > years, respectively.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The changes in the carrying amount of goodwill reported in the Company&#8217;s reportable ope</font><font style='font-family:Times New Roman;font-size:10pt;' >rating segments</font><font style='font-family:Times New Roman;font-size:10pt;' > and Corporate &amp; Other</font><font style='font-family:Times New Roman;font-size:10pt;' > were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33pt;' ></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate &amp;</font></td><td colspan='1' rowspan='2' style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td colspan='2' rowspan='1' style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >USCS</font></td><td colspan='2' rowspan='1' style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ICS</font></td><td colspan='2' rowspan='1' style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GCS</font></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNMS</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Other</font></td><td colspan='2' rowspan='1' style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance as of January&#160;1, 2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 175 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,031 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,544 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 160 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 271 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,181 </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Acquisitions</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Dispositions</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other, including foreign currency translation</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 21 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 17 </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance as of December&#160;31, 2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 174 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,052 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,543 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 160 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 269 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,198 </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Acquisitions</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Dispositions</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (102)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (102)</font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other, including foreign currency translation</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (70)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (72)</font></td></tr><tr style='height:9.75pt;' ><td style='width:234pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:234pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Balance as of December&#160;31, 2014</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >174</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 982 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,441 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >160</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >267</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,024 </font></td></tr></table></div> 175000000 1031000000 1544000000 160000000 271000000 3181000000 0 0 0 0 0 0 0 0 0 0 0 0 -1000000 21000000 -1000000 0 -2000000 17000000 174000000 1052000000 1543000000 160000000 269000000 0 0 0 0 0 0 0 0 -102000000 0 0 -102000000 0 -70000000 0 0 -2000000 -72000000 174000000 982000000 1441000000 160000000 267000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The components of other intangible assets were as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:135pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td colspan='7' rowspan='1' style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td colspan='7' rowspan='1' style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:32.25pt;' ><td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross Carrying Amount</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accumulated Amortization</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Carrying Amount</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross Carrying Amount</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accumulated Amortization</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Carrying Amount</font></td></tr><tr style='height:9.75pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Customer relationships</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,455 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(754)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >701 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,297 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (660)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 637 </font></td></tr><tr style='height:9.75pt;' ><td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >255 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(102)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >153 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 269 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (89)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 180 </font></td></tr><tr style='height:9.75pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,710 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(856)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >854 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,566 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (749)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 817 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes net intangibles acquired from airline partners of $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >340</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >290</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >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;' > respectively, including approximately $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >206</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >117</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, respectively, from Delta.</font></p><p style='text-align:justify;margin-top:9.75pt;margin-bottom:0pt;line-height:12pt;' ></p></div> 1455000000 255000000 1710000000 754000000 102000000 856000000 701000000 153000000 1297000000 269000000 1566000000 660000000 89000000 749000000 637000000 180000000 817000000 854000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Estimated amortization expense for other intangible assets over the next five years is as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:306pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:justify;border-color:Black;min-width:306pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:justify;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2015</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2016</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2017</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2018</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:306pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:justify;border-color:Black;min-width:306pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Estimated amortization expense</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 158 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 134 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 117 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 109 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 87 </font></td></tr></table></div> 158000000 134000000 117000000 109000000 87000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >8</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Customer D</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >eposits</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > customer deposits </font><font style='font-family:Times New Roman;font-size:10pt;' >we</font><font style='font-family:Times New Roman;font-size:10pt;' >re categorized as interest-bearing or non-interest</font><font style='font-family:Times New Roman;font-size:10pt;' >-</font><font style='font-family:Times New Roman;font-size:10pt;' >bearing</font><font style='font-family:Times New Roman;font-size:10pt;' > as follows</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest-bearing </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >43,279 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >40,831</font></td></tr><tr style='height:11.25pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest-bearing (includes Card Member credit balances of: 2014, $372 million; 2013, $340 million)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >418 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >360</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest-bearing </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >115 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >121</font></td></tr><tr style='height:10.5pt;' ><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest-bearing (includes Card Member credit balances of: 2014, $347 million; 2013, $437 million)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >359 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >451</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total customer deposits</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >44,171 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >41,763</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Customer deposits by deposit type </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 were </font><font style='font-family:Times New Roman;font-size:10pt;' >as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. retail deposits:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Savings accounts &#8213; Direct</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 26,159 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 24,550 </font></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Certificates of deposit:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:378pt;text-align:left;border-color:Black;min-width:378pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Direct</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 333 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 489 </font></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:378pt;text-align:left;border-color:Black;min-width:378pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Third-party </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7,838 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 6,929 </font></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Sweep accounts &#8213;Third-party </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 8,949 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 8,863 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other retail deposits:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S. deposits and U.S. non-interest bearing deposits </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 173 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 155 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member credit balances &#8213; U.S. and non-U.S.</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 719 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 777 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total customer deposits</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 44,171 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 41,763 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' >2014</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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2015</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,744 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >21 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,765 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2016</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,136 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,136 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2017</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,491 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,491 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2018</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,480 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,480 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2019</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,304 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,304 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >After 5 years</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >16 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8,171 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >21 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8,192 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' > certificates of</font><font style='font-family:Times New Roman;font-size:10pt;' > deposit in denominations of $25</font><font style='font-family:Times New Roman;font-size:10pt;' >0,000 or more</font><font style='font-family:Times New Roman;font-size:10pt;' >, in the aggregate,</font><font style='font-family:Times New Roman;font-size:10pt;' > were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >111</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >148</font></td></tr><tr style='height:9.75pt;' ><td style='width:402pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >17</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >128</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >148</font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > customer deposits </font><font style='font-family:Times New Roman;font-size:10pt;' >we</font><font style='font-family:Times New Roman;font-size:10pt;' >re categorized as interest-bearing or non-interest</font><font style='font-family:Times New Roman;font-size:10pt;' >-</font><font style='font-family:Times New Roman;font-size:10pt;' >bearing</font><font style='font-family:Times New Roman;font-size:10pt;' > as follows</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest-bearing </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >43,279 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >40,831</font></td></tr><tr style='height:11.25pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest-bearing (includes Card Member credit balances of: 2014, $372 million; 2013, $340 million)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >418 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >360</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest-bearing </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >115 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >121</font></td></tr><tr style='height:10.5pt;' ><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:390pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest-bearing (includes Card Member credit balances of: 2014, $347 million; 2013, $437 million)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >359 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >451</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total customer deposits</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >44,171 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >41,763</font></td></tr></table></div> 43279000000 418000000 40831000000 360000000 115000000 359000000 121000000 451000000 340000000 437000000 347000000 372000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Customer deposits by deposit type </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 were </font><font style='font-family:Times New Roman;font-size:10pt;' >as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. retail deposits:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Savings accounts &#8213; Direct</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 26,159 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 24,550 </font></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Certificates of deposit:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:378pt;text-align:left;border-color:Black;min-width:378pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Direct</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 333 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 489 </font></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:378pt;text-align:left;border-color:Black;min-width:378pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Third-party </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7,838 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 6,929 </font></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Sweep accounts &#8213;Third-party </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 8,949 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 8,863 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other retail deposits:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:390pt;text-align:left;border-color:Black;min-width:390pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S. deposits and U.S. non-interest bearing deposits </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 173 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 155 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member credit balances &#8213; U.S. and non-U.S.</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 719 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 777 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total customer deposits</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 44,171 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 41,763 </font></td></tr></table></div> 26159000000 333000000 7838000000 8949000000 173000000 719000000 6929000000 489000000 24550000000 8863000000 155000000 777000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' >2014</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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2015</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,744 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >21 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,765 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2016</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,136 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,136 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2017</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,491 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,491 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2018</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,480 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,480 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2019</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,304 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,304 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >After 5 years</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >16 </font></td></tr><tr style='height:9.75pt;' ><td style='width:332.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:332.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8,171 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >21 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8,192 </font></td></tr></table></div> 1744000000 21000000 1765000000 2136000000 0 2136000000 1491000000 0 1491000000 1480000000 0 1480000000 1304000000 0 1304000000 16000000 0 16000000 8192000000 8171000000 21000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' > certificates of</font><font style='font-family:Times New Roman;font-size:10pt;' > deposit in denominations of $25</font><font style='font-family:Times New Roman;font-size:10pt;' >0,000 or more</font><font style='font-family:Times New Roman;font-size:10pt;' >, in the aggregate,</font><font style='font-family:Times New Roman;font-size:10pt;' > were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >111</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >148</font></td></tr><tr style='height:9.75pt;' ><td style='width:402pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >17</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >128</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >148</font></td></tr></table></div> 111000000 17000000 128000000 148000000 0 148000000 1700000000 2000000000 2200000000 18 7000000000 3000000000 3000000000 49900000 50200000 2500000000 470000000 489000000 1 6700000000 109000000 31000000 3-month LIBOR + 2.23% 0.068 2066-09-01 2016-07-15 7000000 7200000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >9</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Debt </font></p><p style='text-align:justify;margin-top:2pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Short-Term Borrowings </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company&#8217;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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='4' rowspan='1' style='width:142.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:142.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:142.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:142.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:33.75pt;' ><td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except percentages)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding Balance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding Balance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Commercial paper</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 769 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 0.29 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 200 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 0.19 </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:9.75pt;' ><td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other short-term borrowings</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,711 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 0.81 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,821</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1.08 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,480 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 0.69 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,021</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1.04 </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >For floating-rate debt iss</font><font style='font-family:Times New Roman;font-size:8pt;' >uances, the stated</font><font style='font-family:Times New Roman;font-size:8pt;' > interest rates are </font><font style='font-family:Times New Roman;font-size:8pt;' >weighted</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >based on </font><font style='font-family:Times New Roman;font-size:8pt;' >outstanding balances and </font><font style='font-family:Times New Roman;font-size:8pt;' >floating rates in effect as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes interest-bearing overdrafts with banks of $</font><font style='font-family:Times New Roman;font-size:8pt;' >470</font><font style='font-family:Times New Roman;font-size:8pt;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;' >489</font><font style='font-family:Times New Roman;font-size:8pt;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively. In addition, balances include fully drawn secured borrowing facility (maturing on September 15, 2015, which was repaid on February 18, 2014), certain book overdrafts (i.e., primarily timi</font><font style='font-family:Times New Roman;font-size:8pt;' >ng differences arising in the ordinary course of business), short-term borrowings from banks, as well as interest-bearing amounts due to merchants in accordance with merchant service agreements. The secured borrowing facility gives the Company the right to</font><font style='font-family:Times New Roman;font-size:8pt;' > sell up to $</font><font style='font-family:Times New Roman;font-size:8pt;' >2.0</font><font style='font-family:Times New Roman;font-size:8pt;' > billion face amount of eligible certificates issued from the Lending Trust.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company paid </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.0</font><font style='font-family:Times New Roman;font-size:8pt;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.2</font><font style='font-family:Times New Roman;font-size:8pt;' > million in fees to maintain the secured borrowing facility in </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respect</font><font style='font-family:Times New Roman;font-size:8pt;' >ively.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:8pt;margin-left:0pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Long-</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >t</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >erm Debt </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company&#8217;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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:206.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:206.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:138pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:46.5pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions, except percentages)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Maturity Dates</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding Balance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Effective Interest Rate with Swaps</font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)(c)</font></sup></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding Balance</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Effective Interest Rate with Swaps</font></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12.75pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)(c)</font></sup></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Company</font></td><td colspan='1' rowspan='2' style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='1' rowspan='2' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td colspan='1' rowspan='2' style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='1' rowspan='2' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='1' rowspan='2' style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='1' rowspan='2' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(Parent Company only)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2042</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7,535 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5.15 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.20 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8,784</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 5.43 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4.60 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2018</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 850 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.85 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >850</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.84 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Subordinated Notes</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2024-2036</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,350 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5.39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.42 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >749</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6.80 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:7.5pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Credit Corporation</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 16,260 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2.26 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.22 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >14,875</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3.13 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2.03 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4,400 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.82 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2,855</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.14 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Borrowings under Bank Credit Facilities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,672 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.25 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4,012</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4.18 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Centurion Bank</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,089 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.12 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3.32 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2,102</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4.12 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3.32 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 675 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.68 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >675</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.67 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Bank, FSB</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 999 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6.00 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >999</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6.00 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 300 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.46 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >300</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.47 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Charge Trust II</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,700 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.41 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4,200</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.49 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Subordinated Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 87 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.80 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >87</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.80 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Lending Trust</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6,100 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.11 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,600 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.72 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,876 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.72 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >10,685</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.81 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Subordinated Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 300 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.08 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 300 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.08 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Subordinated Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 488 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.73 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >847</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.81 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Instruments</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2033</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 143 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3.09 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >239</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3.95 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Borrowings</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 247 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.59 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >276</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.62 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unamortized Underwriting Fees</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (116)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(105)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total Long-Term Debt</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57,955 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2.34 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 55,330 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2.56 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The outstanding balances include (</font><font style='font-family:Times New Roman;font-size:7.5pt;' >i</font><font style='font-family:Times New Roman;font-size:7.5pt;' >) unamortized discount and premium, (ii) the impact of movements in exchange rates on foreign currency denominated debt and (iii) the impact of fair value hedge accounting on certain fixed-rate notes that have been </font><font style='font-family:Times New Roman;font-size:7.5pt;' >swapped to floating rate through the use of interest rate swaps. Under fair value hedge accounting, the outstanding balances on these fixed-rate notes are adjusted to reflect the impact of changes in fair value due to changes in interest rates. Refer to No</font><font style='font-family:Times New Roman;font-size:7.5pt;' >te 14 for more details on the Company&#8217;s treatment of fair value hedges. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >For floating-rate debt issuances, the stated and effective interest rates are weighted based on outstanding balances and floating rates in effect 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;' >2014</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;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Effective interest rates are only presented when swaps are in place to hedge the underlying debt. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >For the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >750</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million of subordinated debentures issued in 2006</font><font style='font-family:Times New Roman;font-size:7.5pt;' > and outstanding as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, the maturity date w</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ill automatically be extended to September&#160;1, 2066, except in the case of either (</font><font style='font-family:Times New Roman;font-size:7.5pt;' >i</font><font style='font-family:Times New Roman;font-size:7.5pt;' >)&#160;a prior redemption or (ii)&#160;a default. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >31</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >109</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million as of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, respectively, related to capitalized le</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ase transactions.</font></li></ul></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >As of </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company had </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >750</font><font style='font-family:Times New Roman;font-size:10pt;' > million principal outstanding of Subordinated Debentures that accrue interest at an annual rate of </font><font style='font-family:Times New Roman;font-size:10pt;' >6.8</font><font style='font-family:Times New Roman;font-size:10pt;' > percent until September&#160;1, 2016</font><font style='font-family:Times New Roman;font-size:10pt;' >, and at an annual rate of three-month LIBOR plus </font><font style='font-family:Times New Roman;font-size:10pt;' >2.23</font><font style='font-family:Times New Roman;font-size:10pt;' > percent thereafter. At the Company&#8217;s option, these Subordinated Debentures are redeemable for cash after September&#160;1, 2016 at </font><font style='font-family:Times New Roman;font-size:10pt;' >100</font><font style='font-family:Times New Roman;font-size:10pt;' > percent of the principal amount plus any accrued but unpai</font><font style='font-family:Times New Roman;font-size:10pt;' >d interest. If the Company fails to achieve specified performance measures, it will be required to issue common shares and apply the net proceeds to make interest payments on these Subordinated Debentures. No dividends on the Company&#8217;s common or preferred </font><font style='font-family:Times New Roman;font-size:10pt;' >shares could be paid until such interest payments are made. The Company would fail to meet these specific performance measures if (</font><font style='font-family:Times New Roman;font-size:10pt;' >i</font><font style='font-family:Times New Roman;font-size:10pt;' >)&#160;the Company&#8217;s tangible common equity is less than </font><font style='font-family:Times New Roman;font-size:10pt;' >4</font><font style='font-family:Times New Roman;font-size:10pt;' > percent of total adjusted assets for the most recent quarter</font><font style='font-family:Times New Roman;font-size:10pt;' > or (ii)&#160;if the trailing two quarters&#8217; consolidated net income is equal to or less than zero and tangible common equity as of the trigger determination date, and as of the end of the quarter end six months prior, has in each case declined by </font><font style='font-family:Times New Roman;font-size:10pt;' >10</font><font style='font-family:Times New Roman;font-size:10pt;' > pe</font><font style='font-family:Times New Roman;font-size:10pt;' >rcent or more from tangible common equity as of the end of the quarter </font><font style='font-family:Times New Roman;font-size:10pt;' >18</font><font style='font-family:Times New Roman;font-size:10pt;' > months prior to the trigger determination date. The Company met the specified performance measures in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >. The Company issued $</font><font style='font-family:Times New Roman;font-size:10pt;' >600</font><font style='font-family:Times New Roman;font-size:10pt;' > million of 3.6 percent subord</font><font style='font-family:Times New Roman;font-size:10pt;' >inated notes on December 5, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > that are</font><font style='font-family:Times New Roman;font-size:10pt;' > senior in right of payment to the outstanding $</font><font style='font-family:Times New Roman;font-size:10pt;' >750</font><font style='font-family:Times New Roman;font-size:10pt;' > million of Subordinated</font><font style='font-family:Times New Roman;font-size:10pt;' > Debentures. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Aggregate annual maturities on long-term debt obligations (based on final maturity dates) 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > were as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2015</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2016</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2017</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2018</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2019</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Thereafter</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Company (Parent Company only)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,350 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,500 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,850 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 641 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,147 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 10,488 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Credit Corporation</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5,227 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7,057 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6,532 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,295 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4,150 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 24,261 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Centurion Bank</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,305 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,300 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 125 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,732 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Bank, FSB</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,300 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,300 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Charge Trust II</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,500 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,287 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,787 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Lending Trust</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5,422 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 500 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5,639 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,886 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,317 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 15,764 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 125 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 145 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 83 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 31 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 390 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 12,079 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 11,552 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 16,354 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 9,443 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6,114 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,180 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 58,722 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unamortized Underwriting Fees</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (116)</font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unamortized Discount and Premium</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (932)</font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impacts due to Fair Value Hedge Accounting</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 281 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total Long-Term Debt</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57,955 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</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;' >6.7</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</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, respectively. Of the total credit lines, $</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 were undrawn as of both December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >. Undrawn amounts support commercial paper borrowings and contingent funding needs. The availability of these credit lines is subject to the Company&#8217;s compliance with certain financial covenants, principally, the maintenance by American Express Cred</font><font style='font-family:Times New Roman;font-size:10pt;' >it Corporation (</font><font style='font-family:Times New Roman;font-size:10pt;' >Credco</font><font style='font-family:Times New Roman;font-size:10pt;' >) of a </font><font style='font-family:Times New Roman;font-size:10pt;' >1.25</font><font style='font-family:Times New Roman;font-size:10pt;' > ratio of combined earnings and fixed charges to fixed charges. As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company was not in violation of any of its debt covenants.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Additionally, the Company maintained a 3-year co</font><font style='font-family:Times New Roman;font-size:10pt;' >mmitted, revolving, secured borrowing facility that gives the Company the right to sell up to $</font><font style='font-family:Times New Roman;font-size:10pt;' >3.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion face amount of eligible notes issued from the Charge Trust at any time through July 15, 2016. As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >2.5</font><font style='font-family:Times New Roman;font-size:10pt;' > billi</font><font style='font-family:Times New Roman;font-size:10pt;' >on was drawn on this facility. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company paid $</font><font style='font-family:Times New Roman;font-size:10pt;' >49.9</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >50.2</font><font style='font-family:Times New Roman;font-size:10pt;' > million in fees to maintain these lines in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. These committed facilities do not contain material adverse change clauses, which migh</font><font style='font-family:Times New Roman;font-size:10pt;' >t otherwise preclude borrowing under the credit facilities, nor are they dependent on the Company&#8217;s credit rating. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company paid total interest primarily related to short- and long-term debt, corresponding interest rate swaps and customer deposits of $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.7</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, $</font><font style='font-family:Times New Roman;font-size:10pt;' >2.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >2.2</font><font style='font-family:Times New Roman;font-size:10pt;' > billion in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. </font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company&#8217;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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='4' rowspan='1' style='width:142.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:142.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:142.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:142.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:33.75pt;' ><td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except percentages)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding Balance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding Balance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Commercial paper</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 769 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 0.29 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 200 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 0.19 </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:9.75pt;' ><td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other short-term borrowings</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,711 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 0.81 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,821</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1.08 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,480 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 0.69 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,021</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1.04 </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >For floating-rate debt iss</font><font style='font-family:Times New Roman;font-size:8pt;' >uances, the stated</font><font style='font-family:Times New Roman;font-size:8pt;' > interest rates are </font><font style='font-family:Times New Roman;font-size:8pt;' >weighted</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >based on </font><font style='font-family:Times New Roman;font-size:8pt;' >outstanding balances and </font><font style='font-family:Times New Roman;font-size:8pt;' >floating rates in effect as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes interest-bearing overdrafts with banks of $</font><font style='font-family:Times New Roman;font-size:8pt;' >470</font><font style='font-family:Times New Roman;font-size:8pt;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;' >489</font><font style='font-family:Times New Roman;font-size:8pt;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively. In addition, balances include fully drawn secured borrowing facility (maturing on September 15, 2015, which was repaid on February 18, 2014), certain book overdrafts (i.e., primarily timi</font><font style='font-family:Times New Roman;font-size:8pt;' >ng differences arising in the ordinary course of business), short-term borrowings from banks, as well as interest-bearing amounts due to merchants in accordance with merchant service agreements. The secured borrowing facility gives the Company the right to</font><font style='font-family:Times New Roman;font-size:8pt;' > sell up to $</font><font style='font-family:Times New Roman;font-size:8pt;' >2.0</font><font style='font-family:Times New Roman;font-size:8pt;' > billion face amount of eligible certificates issued from the Lending Trust.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company paid </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.0</font><font style='font-family:Times New Roman;font-size:8pt;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.2</font><font style='font-family:Times New Roman;font-size:8pt;' > million in fees to maintain the secured borrowing facility in </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respect</font><font style='font-family:Times New Roman;font-size:8pt;' >ively.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div> 769000000 2711000000 200000000 4821000000 0.0029 0.0081 0.0069 0.0019 0.0108 0.0104 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company&#8217;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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:206.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:206.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:138pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:46.5pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions, except percentages)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Maturity Dates</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding Balance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Effective Interest Rate with Swaps</font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)(c)</font></sup></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding Balance</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Stated Rate on Debt</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Year-End Effective Interest Rate with Swaps</font></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12.75pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)(c)</font></sup></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Company</font></td><td colspan='1' rowspan='2' style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='1' rowspan='2' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td colspan='1' rowspan='2' style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='1' rowspan='2' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='1' rowspan='2' style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='1' rowspan='2' style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(Parent Company only)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2042</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7,535 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5.15 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.20 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8,784</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 5.43 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4.60 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2018</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 850 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.85 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:center;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >850</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.84 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Subordinated Notes</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2024-2036</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,350 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5.39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.42 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >749</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6.80 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:7.5pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Credit Corporation</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 16,260 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2.26 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.22 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >14,875</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3.13 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2.03 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4,400 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.82 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2,855</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.14 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Borrowings under Bank Credit Facilities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,672 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.25 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4,012</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4.18 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Centurion Bank</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,089 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4.12 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3.32 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2,102</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4.12 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3.32 </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 675 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.68 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >675</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.67 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Bank, FSB</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 999 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6.00 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >999</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6.00 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 300 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.46 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >300</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.47 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Charge Trust II</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,700 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.41 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >4,200</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.49 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Subordinated Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 87 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.80 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >87</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.80 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >American Express Lending Trust</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6,100 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.11 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,600 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.72 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Senior Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,876 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.72 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >10,685</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.81 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Subordinated Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 300 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.08 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 300 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.08 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Subordinated Notes</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 488 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.73 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >847</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.81 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Fixed Rate Instruments</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2016-2033</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 143 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3.09 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >239</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3.95 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Floating Rate Borrowings</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2015-2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 247 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.59 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >276</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.62 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unamortized Underwriting Fees</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (116)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(105)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:149.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:149.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total Long-Term Debt</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57,955 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2.34 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12.75pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 55,330 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2.56 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:12.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12.75pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The outstanding balances include (</font><font style='font-family:Times New Roman;font-size:7.5pt;' >i</font><font style='font-family:Times New Roman;font-size:7.5pt;' >) unamortized discount and premium, (ii) the impact of movements in exchange rates on foreign currency denominated debt and (iii) the impact of fair value hedge accounting on certain fixed-rate notes that have been </font><font style='font-family:Times New Roman;font-size:7.5pt;' >swapped to floating rate through the use of interest rate swaps. Under fair value hedge accounting, the outstanding balances on these fixed-rate notes are adjusted to reflect the impact of changes in fair value due to changes in interest rates. Refer to No</font><font style='font-family:Times New Roman;font-size:7.5pt;' >te 14 for more details on the Company&#8217;s treatment of fair value hedges. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >For floating-rate debt issuances, the stated and effective interest rates are weighted based on outstanding balances and floating rates in effect 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;' >2014</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;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Effective interest rates are only presented when swaps are in place to hedge the underlying debt. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >For the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >750</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million of subordinated debentures issued in 2006</font><font style='font-family:Times New Roman;font-size:7.5pt;' > and outstanding as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, the maturity date w</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ill automatically be extended to September&#160;1, 2066, except in the case of either (</font><font style='font-family:Times New Roman;font-size:7.5pt;' >i</font><font style='font-family:Times New Roman;font-size:7.5pt;' >)&#160;a prior redemption or (ii)&#160;a default. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >31</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >109</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million 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;' >2014</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;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, respectively, related to capitalized le</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ase transactions.</font></li></ul></div> 749000000 2855000000 675000000 300000000 4200000000 10685000000 847000000 239000000 0.0515 0.0539 0.0226 0.0082 0.0425 0.0412 0.0068 0.06 0.0046 0.0041 0.008 0.0111 0.0072 0.0108 0.0073 0.0309 0.06 0.0418 0.0047 0.0114 0.0108 0.0313 0.068 0.0395 0.008 0.0072 0.0049 0.0081 0.0412 0.0543 0.0067 0.0081 0.042 0.0442 0.0122 0 0 0.0332 0 0 0 0.046 0 0.0203 0 0 0.0332 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7535000000 1350000000 16260000000 4400000000 2089000000 675000000 999000000 300000000 3700000000 87000000 6100000000 8876000000 300000000 488000000 143000000 8784000000 14875000000 4012000000 3672000000 2102000000 999000000 2600000000 105000000 0.0234 0.0256 0.0059 0 247000000 276000000 0.0062 0 300000000 87000000 2016-2042 2018 2024-2036 2015-2019 2015-2019 2016-2017 2015-2017 2015-2018 2017 2017 2016-2018 2016-2018 2015-2017 2015-2019 2015-2017 2015-2019 2016-2033 2015-2019 850000000 850000000 0.0084 0 0.0085 0 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Aggregate annual maturities on long-term debt obligations (based on final maturity dates) 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > were as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2015</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2016</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2017</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2018</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2019</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Thereafter</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Company (Parent Company only)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,350 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,500 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,850 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 641 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,147 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 10,488 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Credit Corporation</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5,227 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7,057 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6,532 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,295 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4,150 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 24,261 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Centurion Bank</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,305 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,300 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 125 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,732 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Bank, FSB</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,300 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,300 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Charge Trust II</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,500 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,287 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,787 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >American Express Lending Trust</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5,422 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 500 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5,639 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,886 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,317 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 15,764 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 125 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 145 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 83 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 31 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 390 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 12,079 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 11,552 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 16,354 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 9,443 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 6,114 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,180 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 58,722 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unamortized Underwriting Fees</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (116)</font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unamortized Discount and Premium</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (932)</font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impacts due to Fair Value Hedge Accounting</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;text-align:right;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 281 </font></td></tr><tr style='height:9.75pt;' ><td style='width:204pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total Long-Term Debt</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57,955 </font></td></tr></table></div> 116000000 3147000000 641000000 3850000000 0 1500000000 1350000000 0 4150000000 6532000000 7057000000 1295000000 5227000000 125000000 0 0 2000000 1305000000 1300000000 0 0 0 0 0 1300000000 0 1287000000 0 0 0 2500000000 1317000000 5422000000 5639000000 2886000000 500000000 0 83000000 0 31000000 125000000 145000000 6000000 58722000000 10488000000 24261000000 2732000000 1300000000 3787000000 15764000000 390000000 932000000 281000000 12079000000 11552000000 16354000000 9443000000 6114000000 3180000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 10</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Other Liabilities </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a summary of O</font><font style='font-family:Times New Roman;font-size:10pt;' >ther liabilities as of December&#160;31:</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-style:italic;color:#000000;' >(Millions)</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Membership Rewards liability</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >6,521</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >6,151</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Employee-related liabilities</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2,258</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2,227</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Rebate and reward accruals</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2,389</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2,210</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Deferred card and other fees, net</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >1,308</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,314</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Book overdraft balances</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >647</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >442</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >4,728</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >4,566</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Total</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >17,851</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >16,910</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Employee-related liabilities include employee benefit plan obligations and incentive compensation.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Rebate </font><font style='font-family:Times New Roman;font-size:8pt;' >and reward </font><font style='font-family:Times New Roman;font-size:8pt;' >accruals inclu</font><font style='font-family:Times New Roman;font-size:8pt;' >de payments to third-party card-</font><font style='font-family:Times New Roman;font-size:8pt;' >issuing partners and cash-back reward costs. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other includes accruals for</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >general operating expenses, </font><font style='font-family:Times New Roman;font-size:8pt;' >client incentives</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > advertising and promotion, restructuring</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and reengineering </font><font style='font-family:Times New Roman;font-size:8pt;' >reserves</font><font style='font-family:Times New Roman;font-size:8pt;' > and</font><font style='font-family:Times New Roman;font-size:8pt;' > derivatives.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Membership Rewards</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Membership Rewards program allows enrolled Card Members to earn points that can be redeemed for a br</font><font style='font-family:Times New Roman;font-size:10pt;' >oad range of rewards including travel, entertainment, retail certificates and merchandise. The Company records a balance sheet liability that represents management&#8217;s best estimate of the cost of points earned that are expected to be redeemed in the future.</font><font style='font-family:Times New Roman;font-size:10pt;' > The </font><font style='font-family:Times New Roman;font-size:10pt;' >Ultimate Redemption Rate (</font><font style='font-family:Times New Roman;font-size:10pt;' >URR</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;' > weighted average cost (</font><font style='font-family:Times New Roman;font-size:10pt;' >WAC</font><font style='font-family:Times New Roman;font-size:10pt;' >)</font><font style='font-family:Times New Roman;font-size:10pt;' > per point are key assumptions used to approximate the Membership Rewards liability. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:18pt;' >The expense for Membership Rewards points is included in marketing, promotion, rewards and Card Member </font><font style='font-family:Times New Roman;font-size:10pt;' >services expenses. The Company periodically evaluates its liability estimation process and assumptions based on developments in redemption patterns, cost per point redeemed, partner contract changes and other factors.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Deferred Card and Other Fees, Net </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The carrying amount of deferred card and other fees, net of deferred direct acquisition costs and reserves for </font><font style='font-family:Times New Roman;font-size:10pt;' >membership</font><font style='font-family:Times New Roman;font-size:10pt;' > cancellations as of December&#160;31 was as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >card and other fees</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,615 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,609 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred direct acquisition costs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (176)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (164)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Reserves for membership cancellations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (131)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (131)</font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred card and other fees, net</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,308 </font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,314 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes deferred fees for Membership Rewards program participants.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a summary of O</font><font style='font-family:Times New Roman;font-size:10pt;' >ther liabilities as of December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-style:italic;color:#000000;' >(Millions)</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Membership Rewards liability</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >6,521</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >6,151</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Employee-related liabilities</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2,258</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2,227</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Rebate and reward accruals</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2,389</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2,210</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Deferred card and other fees, net</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >1,308</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,314</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Book overdraft balances</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >647</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >442</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >4,728</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >4,566</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Total</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >17,851</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >16,910</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Employee-related liabilities include employee benefit plan obligations and incentive compensation.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Rebate </font><font style='font-family:Times New Roman;font-size:8pt;' >and reward </font><font style='font-family:Times New Roman;font-size:8pt;' >accruals inclu</font><font style='font-family:Times New Roman;font-size:8pt;' >de payments to third-party card-</font><font style='font-family:Times New Roman;font-size:8pt;' >issuing partners and cash-back reward costs. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other includes accruals for</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >general operating expenses, </font><font style='font-family:Times New Roman;font-size:8pt;' >client incentives</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > advertising and promotion, restructuring</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and reengineering </font><font style='font-family:Times New Roman;font-size:8pt;' >reserves</font><font style='font-family:Times New Roman;font-size:8pt;' > and</font><font style='font-family:Times New Roman;font-size:8pt;' > derivatives.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 6521000000 2258000000 2389000000 1308000000 4728000000 6151000000 2227000000 2210000000 1314000000 4566000000 647000000 442000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The carrying amount of deferred card and other fees, net of deferred direct acquisition costs and reserves for </font><font style='font-family:Times New Roman;font-size:10pt;' >membership</font><font style='font-family:Times New Roman;font-size:10pt;' > cancellations as of December&#160;31 was as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >card and other fees</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,615 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,609 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred direct acquisition costs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (176)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (164)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:404.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:404.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Reserves for membership cancellations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (131)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (131)</font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred card and other fees, net</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,308 </font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,314 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes deferred fees for Membership Rewards program participants.</font></p></div> 1615000000 -176000000 -131000000 1609000000 -164000000 -131000000 0 0 0 0 0 0 0 14700000000 17600000000 0 122000000 283000000 346000000 491000000 -288000000 455000000 253000000 0 0 114000000 26000000 91000000 0 620000000 -1000000 0 0 0 0 10000000 0 0 0 0 0 0 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 14</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Derivatives and Hedging Activities </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company uses derivative financial instruments (derivatives) to manage exposure</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > to various market risks.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Derivatives derive their value from an underlying variable or multiple variables, including </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >interest rate, foreign exchange, and equity ind</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ex</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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&#8217;s market risk management. The Compan</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >y does not engage in derivatives for trading purposes.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Market risk is the risk to earnings or value resulting fr</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >om movements in market prices. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Company&#8217;s market risk expo</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >sure is primarily generated by:</font></p><ul><li style='text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest rate risk</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > in its card, insurance and Trave</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >lers </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >C</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >heque</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and other prepaid products </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >businesses, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >as well as</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > its investment portfolios; and</font></li><li style='text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Foreign ex</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >change risk in its</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;operations</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > outside the U.S. and the associated funding of such operations.</font></li></ul><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >T</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he Company </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >centrally monitors market risks using m</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >arket ri</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >sk limits and escalation triggers</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > as defined in its Asset/Liability Management Policy.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >The Company&#8217;s market exposu</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >res are in large part by</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >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;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > re</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ceivables 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;color:#000000;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Interest rate exposure within the Company&#8217;s charge card and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >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;color:#000000;' >economical</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ly</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > convert fixed-rate debt </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >obligations </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >to variable-rate </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >obligations </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >or to convert variable-rate debt </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >obligations to fixed-</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >rate</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > obligations</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. 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;color:#000000;' >s and</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > mix, among other factors.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Foreign exchange risk is generated by </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > cross-currency charges, foreign currency balance sheet expos</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ures, foreign subsidiary equity</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and foreign currency earnings in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >entities outside the U.S</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. The Company&#8217;s foreign exchan</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ge 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 exchan</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ge forward</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and cross-currency swap contracts, which can help </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >mitigate</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the Company&#8217;s exposure to specific currencies.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >In addition to the exposures identified above, effective August 1, 2011, the Company entered into a total return contract (TRC) to hedge i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ts exposure to changes in the fair value of its equity investment in ICBC in local currency. Under the terms of the TRC, the Company received from the TRC counterparty an amount equivalent to any reduction in the fair value of its investment in ICBC in loc</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >al currency, and the Company paid to the TRC counterparty an amount equivalent to any increase in the fair value of its investment in local currency, along with all dividends paid by ICBC, as well as ongoing hedge costs. The TRC was fully unwound on July 1</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8, 2014 upon the sale of the remaining underlying ICBC</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > shares. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Derivatives may give rise to counterparty credit risk</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, which is the risk that a derivative counterparty will default on, or otherwise be unable to perform pursuant to, an uncollateralized deri</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >vative exposure</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. 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 </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >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;color:#000000;' >by the Company </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and rated as investment grade. Counterparty risk exposures are </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >centrally </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >monitored </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >by the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. Additionally,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > in order to mitigate the bilateral counterparty credit risk associated with derivatives, the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Company has in certain instances entered into</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > master netting agreements with its derivative counterparties, which provide a right of offset</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > for certain exposures between the parties.</font><font style='font-family:Times New Roman;font-size:12pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >A </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >majority</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > of the Company&#8217;s derivative assets and liabilities as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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;color:#000000;' >in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >which</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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;color:#000000;' >&#8217;s Consolidated Balance Sheets. To further mitigate bilateral counterparty credit risk, the Company exer</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >cises its rights under executed credit support agreements with certain of its derivative counterparties. These agreements require that, in the event the fair value change in the net derivatives position between the two parties exceeds certain dollar thresh</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >olds, the party in the net liability position posts collateral to its counterparty.</font><font style='font-family:Times New Roman;font-size:12pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >All derivative contracts cleared through a central clearinghouse are collateralized to the full amount of the fair value of the contracts.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >In relation to the Company&#8217;s cred</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >it risk, under the terms of the derivative agreements it has with its various counterparties, the Company is not required to either immediately settle any outstanding liability balances or post collateral upon the occurrence of a specified credit risk-rela</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ted event. Based on the assessment of credit risk of the Company&#8217;s derivative counterparties as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, the Company does not have derivative positions that warrant credit valuation adjustments.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company&#8217;s derivatives are car</font><font style='font-family:Times New Roman;font-size:10pt;' >ried at fair value on the Consolidated Balance Sheets. The accounting for changes in fair value depends on the instruments&#8217; intended use and the resulting hedge designation, if any, as discussed below. Refer to Note </font><font style='font-family:Times New Roman;font-size:10pt;' >15</font><font style='font-family:Times New Roman;font-size:10pt;' > for a description of the Company&#8217;s me</font><font style='font-family:Times New Roman;font-size:10pt;' >thodology for determining the fair value of derivatives.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following t</font><font style='font-family:Times New Roman;font-size:10pt;' >able summarizes the total </font><font style='font-family:Times New Roman;font-size:10pt;' >fair value, excluding interest accruals, of derivative assets and liabilities as of </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:265.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other Assets</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other&#160;Liabilities</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:122.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:122.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives designated as hedging instruments:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest rate contracts</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair value hedges</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 314 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 455 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total return contract</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair value hedge</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign exchange contracts</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net investment hedges</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 492 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 174 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 46 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 116 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total derivatives designated as hedging instruments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 806 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 637 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 118 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives not designated as hedging instruments:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign exchange contracts, including certain embedded derivatives</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 185 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 64 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 114 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 95 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total derivatives, gross</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 991 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 701 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 213 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less: Cash collateral netting</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b) </font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (158)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (336)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (4)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Derivative asset and derivative liability netting</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c) </font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (122)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (36)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (122)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (36)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total derivatives, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d) </font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 711 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 329 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 38 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 177 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes foreign currency derivatives embedded in certain operating agreements.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement.</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Additionally, the Company received non</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >-</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >cash collateral</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > from a counterparty</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > in the form of security interest in U.S. Treasury securities with a</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > fair value of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >91</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million a</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nd </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nil </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively, none of which was sold or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >repledged</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Such non</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >-</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >cas</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >h collateral</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > economically</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > reduce</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s the Company&#8217;s risk exposure to </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >620</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of Decemb</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >er 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >but does not reduce the net exposure on the Company&#8217;s Consolidated Balance Sheets. Additionally, the Company posted </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >114</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and $26 million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively, as initial margin on its </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >centrally cleared</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > interest rate swaps; such amounts are recorded within Other receivables on the Company&#8217;s Consolidated Balance Sheets and are not netted against the derivative balances.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the amount of netting of derivative assets and derivative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >liabilities executed with the same counterparty under an enforceable master netting arrangement.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The to</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >tal net derivative assets and derivative li</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >abilities are presented within </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > assets and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther liabilities on the Company&#8217;s Consolidated Balance Sheets.</font></li></ul></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Derivative Financial Instruments That Qualify For Hedge Accounting </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Derivatives executed for hedge accounting purposes are documented and designated as such when the Comp</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >any enters into the contracts. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >In accordance with its risk management policies, the Company structures its hedges with </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >terms</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > similar to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >that of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > item being hedged. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Company formally assesses, at inception of the hedge accounting relationship and on a quarterly basis, whether deriv</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >atives designated as hedges are highly effective in offsetting the fair value or c</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ash flows of the hedged items. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >These assessments usually are made through the application of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >a regression analysis method. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >If it is determined that a derivative is not highly</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > effective as a hedge, the Company will discontinue the application of hedge accounting.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Fair Value Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >A fair value hedge involves a derivative designated to hedge the Company&#8217;s exposure to future changes in the fair value of an asset or a liability, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >or an identified portion thereof that is attributable to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >a particular risk.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Interest Rate Contracts</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company is exposed to interest rate risk associated with its fixed-rate long-term debt. The Company uses interest rate swaps to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >economically </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >convert</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >certain fixed-rate long-term debt</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > obligations </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >to floating-rate </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >obligations </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >at the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >time of issuance. As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the Company hedged $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >17.6</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14.7</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > billion, respectively, of its fixed-rate debt to floating</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-rate debt using interest rate swaps.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >To the extent the fair value hedge is effective, the gain or loss on the hedging instrument offsets the loss or gain on the hedged item attributable to the hedged risk. Any difference between the changes in the fair va</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >lue 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;color:#000000;' >reflected </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >in earnings as a component of other expenses. Hedge ineffectiveness may be caused by differences between the debt&#8217;s interest coupon and the benchmark rate, p</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >rimarily due to credit spreads at inception of the hedging relationship that are not reflected in the valuation of the interest rate swap. Furthermore, hedge ineffectiveness may be caused by changes in the relationship between 3-month LIBOR and 1-month LIB</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >OR, as </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >well as between the overnight indexed swap rate (OIS) and 1-month LIBOR, as </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >basis spreads may impact the valuation of the interest rate swap without causing an offsetting impact in the value of the hedged debt. If a fair value hedge is de-designated</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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;color:#000000;' > resulting from changes in interest rates</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. The exist</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ing 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='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Total Return Contract</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >hedged its exposure</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > to changes in the fair value of its equity investment in ICBC in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >local currency</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Company used a TRC to transfer this exposure to its derivative counterparty. On July 18, 2014, the Company sold its remaining 34.3 million shares in ICBC and terminated t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he TRC. As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > only, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the fair value of the equity investment in ICBC was </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >122</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >180.7</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million shares). Prior to termination, to the extent the hedge was </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >effective, the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > gain or loss on the TRC offset the gain or loss</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > on the investment in ICBC. Any difference between the changes in the fair value of the derivative and the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >hedged item resulted in hedge ineffectiveness and was recognized in O</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ther expenses in the Consolid</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ated Statements of Income.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact on the Consolidated Statements of Income associated with the Company&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > hedges of</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >its </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >fixed-rate long-term debt </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and its investment in ICBC for the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='30' rowspan='1' style='width:457.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:457.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains (losses) recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='10' rowspan='1' style='width:172.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Derivative contract</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='10' rowspan='1' style='width:172.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Hedged item</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Net hedge</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Income Statement</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Income Statement</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;ineffectiveness&#160;</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Derivative relationship</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Line Item</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Line Item</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest rate contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(143)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (370)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (178)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >148 </font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 351 </font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 132 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (19)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (46)</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total return contract</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other non-interest</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other non-interest</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > revenues</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 15 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (53)</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > revenues</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (15)</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 54 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 1 </font></td></tr><tr style='height:13.5pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company also recognized a net reduction in interest expense on</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >long-term debt</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >283</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >million, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >346</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >million and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >491</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million for the years ended </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively, primarily related to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the net settlements (interest accruals) on the Company&#8217;s interest rate derivatives designated as fair value hedges.</font></p><p style='text-align:justify;line-height:13.8pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Cash Flow Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, the Company </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >did not have any designated cash flow hedges.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >During the year ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > only</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the Company reclassified </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(1)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million from AOCI into earnings as a component of interest expense. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Any ineffective portion of the gain or loss on the derivatives is reported as a component o</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >f other expenses. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >No ineffectiveness </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >associated with cash flow hedges was</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > reclassified from AOCI into income for the year</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Net Investment Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >A net investment hedge is used to hedge future changes in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >currency exposure of a net investment in a foreign operation. The Company primarily designates foreign currency derivatives, typically foreign exchange forwards, and on occasion foreign currency denominated debt, as hedges of net investments in certain for</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eign operations. These instruments reduce exposure to changes in currency exchange rates on the Company&#8217;s investments in non-U.S. subsidiaries. The effective portion of the gain or </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loss</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > on net investment hedges</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, net of taxes,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > recorded in AOCI as part of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the cumulative translation adjustment</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, was </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >455</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >253</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(288)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million for the years ended</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > respectively. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Any ineffective portion of the gain or </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loss</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > on net investmen</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >t hedges is </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >recognized in other</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > expenses during the period of change.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >During the years ended December 31, 2014, 2013 and 2012, the Company reclassified </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >10 </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >million, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >nil </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >nil </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, respectively, from AOCI to earnings as a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >component of Other expenses. No ineffectiveness associated with net investment hedges was reclassified from AOCI into income during the years ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Derivatives Not Designated As Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company has derivatives that act as economic hedges</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >but are not designated as such </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >for hedge accounting purposes. Foreign currency transactions and non-U.S. dollar cash flow exposures from time to time may be </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >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 d</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >esignated 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</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Company may enter into interest rate swaps to specifically manage funding costs related to its proprietary card business.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >The Company has certain operating agreements </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >containing </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >payments </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >that </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >may be linked to a market rate or price, pr</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >imarily foreign curr</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ency rates.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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;color:#000000;' >in which case</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the embedded derivative is accounted for separately and is classified as a foreign exchange contract based on its primary risk exposure.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >For derivatives that are not designated as hedges, changes in fair value are reported in current period earnings.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >on pretax earnings </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >of derivatives not designated as hedges</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, as reported o</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >n the Consolidated Statements of Income</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > for the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:186.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:186.75pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='10' rowspan='1' style='width:341.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:341.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax gains (losses) </font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:125.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:125.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Amount</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Description </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (Millions)</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest rate contracts</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other expenses</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign exchange contracts</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense on long-term debt and other</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other expenses</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >194</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 72 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (56)</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cost of Card Member services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:204pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 198 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 73 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (58)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >F</font><font style='font-family:Times New Roman;font-size:8pt;' >oreign exchange contracts include </font><font style='font-family:Times New Roman;font-size:8pt;' >forwards and </font><font style='font-family:Times New Roman;font-size:8pt;' >embedded foreign currency derivatives. Gains (losses) on these embedd</font><font style='font-family:Times New Roman;font-size:8pt;' >ed derivatives are included in O</font><font style='font-family:Times New Roman;font-size:8pt;' >ther expenses.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following t</font><font style='font-family:Times New Roman;font-size:10pt;' >able summarizes the total </font><font style='font-family:Times New Roman;font-size:10pt;' >fair value, excluding interest accruals, of derivative assets and liabilities as of </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:265.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other Assets</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other&#160;Liabilities</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:122.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:122.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives designated as hedging instruments:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest rate contracts</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair value hedges</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 314 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 455 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total return contract</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fair value hedge</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign exchange contracts</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net investment hedges</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 492 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 174 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 46 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 116 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total derivatives designated as hedging instruments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 806 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 637 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 118 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives not designated as hedging instruments:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign exchange contracts, including certain embedded derivatives</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 185 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 64 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 114 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 95 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total derivatives, gross</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 991 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 701 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 213 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less: Cash collateral netting</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b) </font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (158)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (336)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (4)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:265.5pt;text-align:left;border-color:Black;min-width:265.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Derivative asset and derivative liability netting</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c) </font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (122)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (36)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (122)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (36)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:273pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:273pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total derivatives, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d) </font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 711 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 329 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 38 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 177 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes foreign currency derivatives embedded in certain operating agreements.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement.</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Additionally, the Company received non</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >-</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >cash collateral</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > from a counterparty</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > in the form of security interest in U.S. Treasury securities with a</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > fair value of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >91</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million a</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nd </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nil </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively, none of which was sold or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >repledged</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Such non</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >-</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >cas</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >h collateral</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > economically</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > reduce</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s the Company&#8217;s risk exposure to </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >620</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of Decemb</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >er 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >but does not reduce the net exposure on the Company&#8217;s Consolidated Balance Sheets. Additionally, the Company posted </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >114</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and $26 million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively, as initial margin on its </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >centrally cleared</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > interest rate swaps; such amounts are recorded within Other receivables on the Company&#8217;s Consolidated Balance Sheets and are not netted against the derivative balances.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the amount of netting of derivative assets and derivative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >liabilities executed with the same counterparty under an enforceable master netting arrangement.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The to</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >tal net derivative assets and derivative li</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >abilities are presented within </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > assets and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther liabilities on the Company&#8217;s Consolidated Balance Sheets.</font></li></ul></div> 314000000 0 492000000 806000000 185000000 991000000 -158000000 -122000000 -336000000 8000000 455000000 64000000 637000000 174000000 701000000 -36000000 4000000 2000000 0 0 116000000 46000000 118000000 50000000 95000000 114000000 164000000 213000000 -4000000 0 -122000000 -36000000 711000000 329000000 177000000 38000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Derivative Financial Instruments That Qualify For Hedge Accounting </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Derivatives executed for hedge accounting purposes are documented and designated as such when the Comp</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >any enters into the contracts. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >In accordance with its risk management policies, the Company structures its hedges with </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >terms</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > similar to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >that of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > item being hedged. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Company formally assesses, at inception of the hedge accounting relationship and on a quarterly basis, whether deriv</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >atives designated as hedges are highly effective in offsetting the fair value or c</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ash flows of the hedged items. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >These assessments usually are made through the application of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >a regression analysis method. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >If it is determined that a derivative is not highly</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > effective as a hedge, the Company will discontinue the application of hedge accounting.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Fair Value Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >A fair value hedge involves a derivative designated to hedge the Company&#8217;s exposure to future changes in the fair value of an asset or a liability, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >or an identified portion thereof that is attributable to </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >a particular risk.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Net Investment Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >A net investment hedge is used to hedge future changes in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >currency exposure of a net investment in a foreign operation. The Company primarily designates foreign currency derivatives, typically foreign exchange forwards, and on occasion foreign currency denominated debt, as hedges of net investments in certain for</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >eign operations. These instruments reduce exposure to changes in currency exchange rates on the Company&#8217;s investments in non-U.S. subsidiaries. The effective portion of the gain or </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loss</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > on net investment hedges</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, net of taxes,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > recorded in AOCI as part of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the cumulative translation adjustment</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, was </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >455</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >253</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(288)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > million for the years ended</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > respectively. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Any ineffective portion of the gain or </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loss</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > on net investmen</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >t hedges is </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >recognized in other</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > expenses during the period of change.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Derivatives Not Designated As Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company has derivatives that act as economic hedges</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >but are not designated as such </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >for hedge accounting purposes. Foreign currency transactions and non-U.S. dollar cash flow exposures from time to time may be </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >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 d</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >esignated 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</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Company may enter into interest rate swaps to specifically manage funding costs related to its proprietary card business.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >The Company has certain operating agreements </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >containing </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >payments </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >that </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >may be linked to a market rate or price, pr</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >imarily foreign curr</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ency rates.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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;color:#000000;' >in which case</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the embedded derivative is accounted for separately and is classified as a foreign exchange contract based on its primary risk exposure.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >For derivatives that are not designated as hedges, changes in fair value are reported in current period earnings.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact on the Consolidated Statements of Income associated with the Company&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > hedges of</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >its </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >fixed-rate long-term debt </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and its investment in ICBC for the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='30' rowspan='1' style='width:457.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:457.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains (losses) recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='10' rowspan='1' style='width:172.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Derivative contract</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td colspan='10' rowspan='1' style='width:172.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:172.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Hedged item</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Net hedge</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Income Statement</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Income Statement</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Amount</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:99pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;ineffectiveness&#160;</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Derivative relationship</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Line Item</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Line Item</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td colspan='2' rowspan='1' style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest rate contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(143)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (370)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (178)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >148 </font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 351 </font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 132 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (19)</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (46)</font></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;text-align:left;border-color:Black;min-width:75.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total return contract</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other non-interest</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Other non-interest</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;text-align:right;border-color:Black;min-width:20.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:75.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > revenues</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 15 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (53)</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > revenues</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > (15)</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 54 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > &#8213; </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:20.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:20.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > 1 </font></td></tr><tr style='height:13.5pt;' ><td style='width:75.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:75.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:66.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:66.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:20.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:20.25pt;' ></td></tr></table></div> 5000000 -370000000 -19000000 -46000000 148000000 -178000000 132000000 -143000000 351000000 0 -53000000 1000000 -11000000 -15000000 0 54000000 11000000 15000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >on pretax earnings </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >of derivatives not designated as hedges</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, as reported o</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >n the Consolidated Statements of Income</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > for the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:186.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:186.75pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='10' rowspan='1' style='width:341.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:341.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax gains (losses) </font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:125.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:125.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Amount</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Description </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (Millions)</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest rate contracts</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other expenses</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign exchange contracts</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense on long-term debt and other</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other expenses</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >194</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 72 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (56)</font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;text-align:left;border-color:Black;min-width:186.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:204pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cost of Card Member services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:24pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:186.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:186.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:204pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:204pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 198 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 73 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:24pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:24pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (58)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >F</font><font style='font-family:Times New Roman;font-size:8pt;' >oreign exchange contracts include </font><font style='font-family:Times New Roman;font-size:8pt;' >forwards and </font><font style='font-family:Times New Roman;font-size:8pt;' >embedded foreign currency derivatives. Gains (losses) on these embedd</font><font style='font-family:Times New Roman;font-size:8pt;' >ed derivatives are included in O</font><font style='font-family:Times New Roman;font-size:8pt;' >ther expenses.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> -1000000 -56000000 72000000 0 0 194000000 1000000 0 -1000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company provides </font><font style='font-family:Times New Roman;font-size:10pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;' > protection plans that cover losses associated with purchased products, as well as certain other guarantees in </font><font style='font-family:Times New Roman;font-size:10pt;' >the ordinary course of business. </font><font style='font-family:Times New Roman;font-size:10pt;' >For the Company, guarantees primarily consist of </font><font style='font-family:Times New Roman;font-size:10pt;' >card and travel protection programs, including:</font></p><ul><li style='text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times;font-size:10pt;' >Return Protection &#8212; refunds the price of </font><font style='font-family:Times;font-size:10pt;' >qualifying</font><font style='font-family:Times;font-size:10pt;' > purchases made with the </font><font style='font-family:Times;font-size:10pt;' >eligible </font><font style='font-family:Times;font-size:10pt;' >card</font><font style='font-family:Times;font-size:10pt;' >s</font><font style='font-family:Times;font-size:10pt;' > where the merchant will not accept the return for up to 90 days from the date of purchase;</font><font style='font-family:Times;font-size:10pt;' > and</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><ul><li style='text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times;font-size:10pt;' >Merchant Protection &#8212;</font><font style='font-family:Times;font-size:10pt;' > protects Card Members primarily against non-delivery of goods and services, usually in the event of bankruptcy or liquidation of a merchant. </font><font style='font-family:Times;font-size:10pt;' >When this occurs,</font><font style='font-family:Times;font-size:10pt;' > the</font><font style='font-family:Times;font-size:10pt;' > Card Member may</font><font style='font-family:Times;font-size:10pt;' > dispute the </font><font style='font-family:Times;font-size:10pt;' >transaction for which</font><font style='font-family:Times;font-size:10pt;' > the Company will generally credit the Card</font><font style='font-family:Times;font-size:10pt;' > Member</font><font style='font-family:Times;font-size:10pt;' >&#8217;s</font><font style='font-family:Times;font-size:10pt;' > account. If the Company is unable to collect the amount from the merchant, it wi</font><font style='font-family:Times;font-size:10pt;' >ll bear the loss for the amount </font><font style='font-family:Times;font-size:10pt;' >credited to the Card Member.</font><font style='font-family:Times;font-size:10pt;' > The largest component of the maximum potential future payments relates to Card </font><font style='font-family:Times;font-size:10pt;' >Member transactions </font><font style='font-family:Times;font-size:10pt;' >associated with travel-related merchants,</font><font style='font-family:Times;font-size:10pt;' > primarily through business arrangements where the Company has remitted payment to such merchants for a Card Member travel purchase that has</font><font style='font-family:Times;font-size:10pt;' > not yet been used or &#8220;flown&#8221;.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >In relation to its maximum potential undisc</font><font style='font-family:Times New Roman;font-size:10pt;' >ounted future payments as shown in the table that follows, to date the Company has not experienced any significant losses related to guarantees. The Company&#8217;s initial recognition of guarantees is at fair value. In addition, the Company establishes reserves</font><font style='font-family:Times New Roman;font-size:10pt;' > when a loss is probable and the amount can be reasonably estimated. </font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >16</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Guarantees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company provides </font><font style='font-family:Times New Roman;font-size:10pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;' > protection plans that cover losses associated with purchased products, as well as certain other guarantees in </font><font style='font-family:Times New Roman;font-size:10pt;' >the ordinary course of business. </font><font style='font-family:Times New Roman;font-size:10pt;' >For the Company, guarantees primarily consist of </font><font style='font-family:Times New Roman;font-size:10pt;' >card and travel protection programs, including:</font></p><ul><li style='text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times;font-size:10pt;' >Return Protection &#8212; refunds the price of </font><font style='font-family:Times;font-size:10pt;' >qualifying</font><font style='font-family:Times;font-size:10pt;' > purchases made with the </font><font style='font-family:Times;font-size:10pt;' >eligible </font><font style='font-family:Times;font-size:10pt;' >card</font><font style='font-family:Times;font-size:10pt;' >s</font><font style='font-family:Times;font-size:10pt;' > where the merchant will not accept the return for up to 90 days from the date of purchase;</font><font style='font-family:Times;font-size:10pt;' > and</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><ul><li style='text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times;font-size:10pt;' >Merchant Protection &#8212;</font><font style='font-family:Times;font-size:10pt;' > protects Card Members primarily against non-delivery of goods and services, usually in the event of bankruptcy or liquidation of a merchant. </font><font style='font-family:Times;font-size:10pt;' >When this occurs,</font><font style='font-family:Times;font-size:10pt;' > the</font><font style='font-family:Times;font-size:10pt;' > Card Member may</font><font style='font-family:Times;font-size:10pt;' > dispute the </font><font style='font-family:Times;font-size:10pt;' >transaction for which</font><font style='font-family:Times;font-size:10pt;' > the Company will generally credit the Card</font><font style='font-family:Times;font-size:10pt;' > Member</font><font style='font-family:Times;font-size:10pt;' >&#8217;s</font><font style='font-family:Times;font-size:10pt;' > account. If the Company is unable to collect the amount from the merchant, it wi</font><font style='font-family:Times;font-size:10pt;' >ll bear the loss for the amount </font><font style='font-family:Times;font-size:10pt;' >credited to the Card Member.</font><font style='font-family:Times;font-size:10pt;' > The largest component of the maximum potential future payments relates to Card </font><font style='font-family:Times;font-size:10pt;' >Member transactions </font><font style='font-family:Times;font-size:10pt;' >associated with travel-related merchants,</font><font style='font-family:Times;font-size:10pt;' > primarily through business arrangements where the Company has remitted payment to such merchants for a Card Member travel purchase that has</font><font style='font-family:Times;font-size:10pt;' > not yet been used or &#8220;flown&#8221;.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >In relation to its maximum potential undisc</font><font style='font-family:Times New Roman;font-size:10pt;' >ounted future payments as shown in the table that follows, to date the Company has not experienced any significant losses related to guarantees. The Company&#8217;s initial recognition of guarantees is at fair value. In addition, the Company establishes reserves</font><font style='font-family:Times New Roman;font-size:10pt;' > when a loss is probable and the amount can be reasonably estimated. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides information related to such guarantees as of December&#160;31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='1' rowspan='4' style='width:264pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:264pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Maximum&#160;potential</font></td><td colspan='1' rowspan='4' style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:126pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >undiscounted&#160;future</font></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >payments</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related liability</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Billions)</font></td><td colspan='5' rowspan='1' style='width:126pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Type of Guarantee</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Return and Merchant Protection</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >37 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >37</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >44 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >84</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c) </font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >67 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >77</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >45 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >45</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >111 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >161</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Represents the notional amounts that could be lost under the guarantees and indemnifications if there were a total default by the guaranteed parties. The </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >maximum potential undiscounted future payments for </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Merchant Protection </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >are measured</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > using management&#8217;s best estimate of maximum exposure based on all eligible claims </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >in relation to </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >annual billed business volumes. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Included </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >in O</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ther liabilities on the Company&#8217;s Consolidated Balance Sheets. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >rimarily includes guarantees related to the Com</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >pany&#8217;s </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >purchase protection, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >business dispositions</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and real estate. </font></li></ul></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides information related to such guarantees as of December&#160;31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='1' rowspan='4' style='width:264pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:264pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Maximum&#160;potential</font></td><td colspan='1' rowspan='4' style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:126pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:126pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >undiscounted&#160;future</font></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >payments</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='5' rowspan='1' style='width:126pt;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related liability</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:126pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Billions)</font></td><td colspan='5' rowspan='1' style='width:126pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:126pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Type of Guarantee</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Return and Merchant Protection</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >37 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >37</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >44 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >84</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c) </font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >67 </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >77</font></td></tr><tr style='height:9.75pt;' ><td style='width:264pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:264pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >45 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >45</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >111 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >161</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Represents the notional amounts that could be lost under the guarantees and indemnifications if there were a total default by the guaranteed parties. The </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >maximum potential undiscounted future payments for </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Merchant Protection </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >are measured</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > using management&#8217;s best estimate of maximum exposure based on all eligible claims </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >in relation to </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >annual billed business volumes. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Included </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >in O</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >ther liabilities on the Company&#8217;s Consolidated Balance Sheets. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >rimarily includes guarantees related to the Com</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >pany&#8217;s </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >purchase protection, </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >business dispositions</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > and real estate. </font></li></ul></div> 37000000000 8000000000 45000000000 67000000 37000000000 8000000000 45000000000 44000000 111000000 84000000 77000000 161000000 56000000 3500000 3900000 49000000 55000000 260000000 236000000 20000000 0 0 0 0 59000000 1000000 1100000 3200000 280000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 17</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:ACaslon Bold;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >C</font><font style='font-family:ACaslon Bold;font-size:13.5pt;color:#52A2DD;' >ommon</font><font style='font-family:ACaslon Bold;font-size:13.5pt;color:#52A2DD;' > </font><font style='font-family:ACaslon Bold;font-size:13.5pt;color:#52A2DD;' >and</font><font style='font-family:ACaslon Bold;font-size:13.5pt;color:#52A2DD;' > P</font><font style='font-family:ACaslon Bold;font-size:13.5pt;color:#52A2DD;' >referred</font><font style='font-family:ACaslon Bold;font-size:13.5pt;color:#52A2DD;' > S</font><font style='font-family:ACaslon Bold;font-size:13.5pt;color:#52A2DD;' >hares</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table shows authorized shares and provides a reconciliation of common shares issued and outstanding</font><font style='font-family:Times New Roman;font-size:10pt;' > for the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except where indicated)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Common shares authorized</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3.6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.6</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Shares issued and outstanding at beginning of year</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,064 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,105 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,164 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Repurchases of common shares</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(49)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (55)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (69)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other, primarily stock option exercises and restricted stock awards granted</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 14 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 10 </font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Shares issued and outstanding as of December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,023 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,064 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,105 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Of the common shares authorized but unissued as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >56</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >million shares </font><font style='font-family:Times New Roman;font-size:8pt;' >a</font><font style='font-family:Times New Roman;font-size:8pt;' >re reserved for issuance under employee stock and employee benefit plans</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >On March 25, 2013, the Board of Directors authorized the repurchase</font><font style='font-family:Times New Roman;font-size:10pt;' > of </font><font style='font-family:Times New Roman;font-size:10pt;' >150</font><font style='font-family:Times New Roman;font-size:10pt;' > million of common shares over time in accordance with the Company&#8217;s capital distribution plans submitted to the Federal Reserve and subject to market conditions. This authorization replaces all prior repurchase authorizations. </font><font style='font-family:Times New Roman;font-size:10pt;' >During </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > a</font><font style='font-family:Times New Roman;font-size:10pt;' >nd </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company repurchased </font><font style='font-family:Times New Roman;font-size:10pt;' >49</font><font style='font-family:Times New Roman;font-size:10pt;' > million common shares with a cost basis of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >4.4</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and </font><font style='font-family:Times New Roman;font-size:10pt;' >55</font><font style='font-family:Times New Roman;font-size:10pt;' > million common shares with a co</font><font style='font-family:Times New Roman;font-size:10pt;' >st basis of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >4.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respe</font><font style='font-family:Times New Roman;font-size:10pt;' >ctively. The cost basis includes</font><font style='font-family:Times New Roman;font-size:10pt;' > commissio</font><font style='font-family:Times New Roman;font-size:10pt;' >ns paid of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >1.0</font><font style='font-family:Times New Roman;font-size:10pt;' > million and </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >1.1</font><font style='font-family:Times New Roman;font-size:10pt;' > million in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively. As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company has </font><font style='font-family:Times New Roman;font-size:10pt;' >59</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million common shares remaining under the Board share repurchase authorization. Such authorization does not have an expiratio</font><font style='font-family:Times New Roman;font-size:10pt;' >n date.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Common shares are generally retired by the Company upon repurchase (except for </font><font style='font-family:Times New Roman;font-size:10pt;' >3.2</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million, </font><font style='font-family:Times New Roman;font-size:10pt;' >3.5</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million and </font><font style='font-family:Times New Roman;font-size:10pt;' >3.9</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million shares held as treasury shares as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively); retired </font><font style='font-family:Times New Roman;font-size:10pt;' >common shares and treasury shares are excluded from the shares outstanding in the table above. The treasury shares, with a cost basis of $</font><font style='font-family:Times New Roman;font-size:10pt;' >280</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >260</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >236</font><font style='font-family:Times New Roman;font-size:10pt;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively, are included as a reduction to additional paid-in capital in shareholders&#8217; equity on the Consolidated Balance Sheets. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:13.5pt;' >The Board of Directors is authorized to permit the Company to issue up to </font><font style='font-family:Times New Roman;font-size:10pt;' >20</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million preferred shares at a par </font><font style='font-family:Times New Roman;font-size:10pt;' >value of $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.66</font><sup><font style='font-family:Times New Roman;font-size:10pt;' >2/3</font></sup><font style='font-family:Times New Roman;font-size:10pt;' > without further s</font><font style='font-family:Times New Roman;font-size:10pt;' >hareholder approval. On November 10, 2014, the Company issued 750,000 depositary shares with an aggregate liquidation preference of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >750</font><font style='font-family:Times New Roman;font-size:10pt;' > million, each representing a 1/1000</font><sup><font style='font-family:Times New Roman;font-size:10pt;' >th</font></sup><font style='font-family:Times New Roman;font-size:10pt;' > interest in a perpetual Fixed Ra</font><font style='font-family:Times New Roman;font-size:10pt;' >te/Floating Rate Noncumulative Preferred Share, Series B (Preferred Shares). Dividends on the Preferred Shares are payable, if declared, semi-annually at an annual rate of </font><font style='font-family:Times New Roman;font-size:10pt;' >5.2</font><font style='font-family:Times New Roman;font-size:10pt;' > percent on May 15 and November 15 of each year beginning on May 15, 2015</font><font style='font-family:Times New Roman;font-size:10pt;' > to, but excluding, November 15, 2019. From, and including, November 15, 2019, dividends will be paid, if declared, quarterly at an annual rate equal to </font><font style='font-family:Times New Roman;font-size:10pt;' >3-month Libor plus 3.428 percent</font><font style='font-family:Times New Roman;font-size:10pt;' > percent on February 15, May 15, August 15 and November 15 of each yea</font><font style='font-family:Times New Roman;font-size:10pt;' >r, beginning on February 15, 2020. The Company may redeem the Preferred Shares in whole, or in part, from time to time, on any dividend payment date on or after November 15, 2019 or in whole, but not in part, within 90 days of certain bank regulatory chang</font><font style='font-family:Times New Roman;font-size:10pt;' >es at </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >1,000</font><font style='font-family:Times New Roman;font-size:10pt;' > per depositary share plus any declared but unpaid dividends. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:13.5pt;' >There were no preferred shares issued and outstanding as of December 31, 2013 and 2012. There were no warrants issued and outstanding as of December 31, 2014, 2013 and 2012.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table shows authorized shares and provides a reconciliation of common shares issued and outstanding</font><font style='font-family:Times New Roman;font-size:10pt;' > for the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except where indicated)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Common shares authorized</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3.6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.6</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Shares issued and outstanding at beginning of year</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,064 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,105 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,164 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Repurchases of common shares</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(49)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (55)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (69)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other, primarily stock option exercises and restricted stock awards granted</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 14 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 10 </font></td></tr><tr style='height:12pt;' ><td colspan='2' rowspan='1' style='width:371.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:371.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Shares issued and outstanding as of December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,023 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,064 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,105 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Of the common shares authorized but unissued as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >56</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >million shares </font><font style='font-family:Times New Roman;font-size:8pt;' >a</font><font style='font-family:Times New Roman;font-size:8pt;' >re reserved for issuance under employee stock and employee benefit plans</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> 3600000000 -49000000 -55000000 -69000000 8000000 14000000 10000000 1164000000 1105000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >18</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Changes in Accumulated Other Comprehensive (Loss) I</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >ncome </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >AOCI</font><font style='font-family:Times New Roman;font-size:10pt;' > is a balance sheet item in the Shareholders&#8217; Equity section of the Company&#8217;s Consolidated Balance Sheets. It </font><font style='font-family:Times New Roman;font-size:10pt;' >is </font><font style='font-family:Times New Roman;font-size:10pt;' >comprise</font><font style='font-family:Times New Roman;font-size:10pt;' >d</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >of items that have not been recognized in earnings but may be recognized in earnings in the future when certain events occur. </font><font style='font-family:Times New Roman;font-size:10pt;' >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></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:37.5pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Cash Flow Hedges</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit Losses</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:63.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:63.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2011</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 288 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (682)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (481)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (876)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 106 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 106 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Decrease) increase due to amounts reclassified into earnings</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (79)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (77)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation gain of investments in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 215 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 215 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net (losses) related to hedges of investment in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (288)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (288)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement (losses) benefit</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (7)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive income (loss)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 27 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (72)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (7)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (51)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2012</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 315 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (754)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (488)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (927)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized (losses)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (159)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (159)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Decrease) due to amounts reclassified into earnings</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (93)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (93)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (589)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (589)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 253 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 253 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 89 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 89 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (252)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (336)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 89 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (499)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > </font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,090)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (399)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,426)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 104 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 104 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Decrease) increase due to amounts reclassified into earnings</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (71)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (66)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (869)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (869)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 455 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 455 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement (losses) benefit</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (117)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (117)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive income (loss)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 33 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (409)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (117)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (493)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2014</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 96 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,499)</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (516)</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,919)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The following table shows the tax impact for the three years ended December&#160;31 for the changes in each component of accumulated other comprehensive (loss) income: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Investment securities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 19 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (142)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 7 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Cash flow hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign currency translation adjustments</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (64)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (49)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 24 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net investment hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 273 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 135 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (176)</font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit losses</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (46)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 56 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total tax impact</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 182 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (144)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statement</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > of Income for the year</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > ended December 31</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:8.25pt;' ><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:249pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:249pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:121.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:121.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Gains) losses recognized in income</font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:249pt;text-align:left;border-color:Black;min-width:249pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:121.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:121.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Description </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Available-for-sale securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gain in AOCI reclassifications for previously unrealized net gains on</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:249pt;text-align:left;border-color:Black;min-width:249pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >investment securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 111 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 145 </font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income tax provision</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (40)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (52)</font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reclassification to net income related to available-for-sale securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 71 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 93 </font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign currency translation adjustments</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reclassification of realized losses on translation adjustments and related hedges</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (9)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income tax provision</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reclassification of foreign currency translation adjustments</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (5)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 66 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 93 </font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:37.5pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Cash Flow Hedges</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:61.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit Losses</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:63.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:63.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2011</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 288 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (682)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (481)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (876)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 106 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 106 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Decrease) increase due to amounts reclassified into earnings</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (79)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (77)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation gain of investments in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 215 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 215 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net (losses) related to hedges of investment in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (288)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (288)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement (losses) benefit</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (7)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive income (loss)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 27 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (72)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (7)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (51)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2012</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 315 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (754)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (488)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (927)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized (losses)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (159)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (159)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Decrease) due to amounts reclassified into earnings</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (93)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (93)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (589)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (589)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 253 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 253 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 89 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 89 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (252)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (336)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 89 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (499)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > </font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,090)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (399)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,426)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 104 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 104 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Decrease) increase due to amounts reclassified into earnings</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (71)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (66)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (869)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (869)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 455 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 455 </font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement (losses) benefit</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (117)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (117)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive income (loss)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 33 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (409)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:30pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (117)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:26.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (493)</font></td></tr><tr style='height:12.75pt;' ><td style='width:211.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:211.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2014</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 96 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,499)</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:30pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (516)</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:26.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,919)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The following table shows the tax impact for the three years ended December&#160;31 for the changes in each component of accumulated other comprehensive (loss) income: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Investment securities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 19 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (142)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 7 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Cash flow hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign currency translation adjustments</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (64)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (49)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 24 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net investment hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 273 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 135 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (176)</font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit losses</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (46)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 56 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total tax impact</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 182 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (144)</font></td></tr></table></div> 0 106000000 1000000 1 -77000000 -288000000 -288000000 1000000 -72000000 -7000000 -51000000 -1000000 -682000000 -481000000 -876000000 0 -754000000 -488000000 -159000000 -93000000 253000000 253000000 0 -336000000 89000000 -499000000 0 -1090000000 -399000000 -1426000000 215000000 104000000 -66000000 -869000000 -869000000 455000000 455000000 0 -409000000 -117000000 -493000000 0 -1499000000 -516000000 -1919000000 215000000 -589000000 -589000000 288000000 106000000 -79000000 -159000000 -93000000 -252000000 63000000 104000000 -71000000 33000000 96000000 -927000000 27000000 315000000 7000000 7000000 -89000000 -89000000 117000000 117000000 5 0 <div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The following table shows the tax impact for the three years ended December&#160;31 for the changes in each component of accumulated other comprehensive (loss) income: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Investment securities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 19 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (142)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 7 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Cash flow hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign currency translation adjustments</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (64)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (49)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 24 </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net investment hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 273 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 135 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (176)</font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit losses</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:27.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (46)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 56 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:27pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:13.5pt;text-align:left;border-color:Black;min-width:13.5pt;' ></td><td style='width:391.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:391.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total tax impact</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:27.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 182 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:27pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:27pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (144)</font></td></tr></table></div> -176000000 273000000 135000000 182000000 -144000000 0 46000000 -56000000 0 7000000 19000000 -142000000 0 0 1000000 -64000000 -49000000 24000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statement</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > of Income for the year</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > ended December 31</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:8.25pt;' ><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:249pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:249pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:121.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:121.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(Gains) losses recognized in income</font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:249pt;text-align:left;border-color:Black;min-width:249pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:121.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:121.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Description </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Available-for-sale securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gain in AOCI reclassifications for previously unrealized net gains on</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;text-align:left;border-color:Black;min-width:49.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:249pt;text-align:left;border-color:Black;min-width:249pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >investment securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 111 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 145 </font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income tax provision</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (40)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (52)</font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reclassification to net income related to available-for-sale securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 71 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 93 </font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign currency translation adjustments</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reclassification of realized losses on translation adjustments and related hedges</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (9)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:138pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income tax provision</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:258pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:258pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Reclassification of foreign currency translation adjustments</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (5)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td colspan='3' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:138pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:138pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 66 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 93 </font></td></tr></table></div> -4000000 403000000 222000000 411000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 20</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:ACaslon Bold;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Restructuring </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >From time to time, the Company initiates restructuring programs to become more efficient and effective, and to support new business strategies. In connection with these programs, the Company typically will incur severance </font><font style='font-family:Times New Roman;font-size:10pt;' >and other exit costs.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >During</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company recorded $</font><font style='font-family:Times New Roman;font-size:10pt;' >411</font><font style='font-family:Times New Roman;font-size:10pt;' > million of restructuring charges, net of revisions to prior estimates. The </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > activity primarily relates to $</font><font style='font-family:Times New Roman;font-size:10pt;' >313</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >133</font><font style='font-family:Times New Roman;font-size:10pt;' > million of</font><font style='font-family:Times New Roman;font-size:10pt;' > restructuring charges recorded in the fourth quarter and second quarter, respectively. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >During </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > the Company recorded </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >403</font><font style='font-family:Times New Roman;font-size:10pt;' > million of restruct</font><font style='font-family:Times New Roman;font-size:10pt;' >uring charges, net of revisions to</font><font style='font-family:Times New Roman;font-size:10pt;' > prior estimates. </font><font style='font-family:Times New Roman;font-size:10pt;' >The </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > activity primarily relates to </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >400</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >million of restructuring charges</font><font style='font-family:Times New Roman;font-size:10pt;' > recorded </font><font style='font-family:Times New Roman;font-size:10pt;' >in the fourth quarter</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Restructuring charges related to severance obligations are included in sal</font><font style='font-family:Times New Roman;font-size:10pt;' >aries and employee benefits </font><font style='font-family:Times New Roman;font-size:10pt;' >in the Compan</font><font style='font-family:Times New Roman;font-size:10pt;' >y&#8217;s Consolidated Statements of Income, while charges pertaining to other exit costs are included in occupancy and eq</font><font style='font-family:Times New Roman;font-size:10pt;' >uipment and </font><font style='font-family:Times New Roman;font-size:10pt;' >other expens</font><font style='font-family:Times New Roman;font-size:10pt;' >es.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table summarizes the Company&#8217;s restructuring reserves activity for the years ended De</font><font style='font-family:Times New Roman;font-size:10pt;' >cember 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Severance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance as of December&#160;31, 2011</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 170 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 30 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 200 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restructuring charges, net of $16 in revisions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 366 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 403 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Payments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (124)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (9)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (133)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance as of December&#160;31, 2012</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 412 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 58 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 470 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restructuring charges, net of $4 in revisions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (7)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (4)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Payments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (206)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (23)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (229)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other non-cash</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (4)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance at December&#160;31, 2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 196 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 233 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restructuring charges, net of $35 in revisions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 383 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 28 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 411 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Payments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (93)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (22)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (115)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other non-cash</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (51)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (8)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (59)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance as of December&#160;31, 2014</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 435 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 35 </font><sup><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 470 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other pr</font><font style='font-family:Times New Roman;font-size:8pt;' >imarily includes facility exit </font><font style='font-family:Times New Roman;font-size:8pt;' >and contract termination costs. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Revisions</font><font style='font-family:Times New Roman;font-size:8pt;' > primarily relate to higher than anticipated redeployments of displaced employees to other positions within the Company</font><font style='font-family:Times New Roman;font-size:8pt;' >, business changes and modifications to existing initiatives</font><font style='font-family:Times New Roman;font-size:8pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Consists primarily of foreign exchange impacts.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Consists of $</font><font style='font-family:Times New Roman;font-size:8pt;' >42</font><font style='font-family:Times New Roman;font-size:8pt;' > million reserve transferred to the GBT JV in the second quarter of 2014 as part of the GBT sale and $</font><font style='font-family:Times New Roman;font-size:8pt;' >17</font><font style='font-family:Times New Roman;font-size:8pt;' > million of foreign exchange and other non-cash charges. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The majority of cash payments related to the remaining restructuring liabilitie</font><font style='font-family:Times New Roman;font-size:8pt;' >s are </font><font style='font-family:Times New Roman;font-size:8pt;' >expected to be completed in 2015</font><font style='font-family:Times New Roman;font-size:8pt;' >, and to a lesser extent certain contractual long-term severance arrangements and lease obligations are </font><font style='font-family:Times New Roman;font-size:8pt;' >expected to be completed in 2016</font><font style='font-family:Times New Roman;font-size:8pt;' > and 2019, respectively.</font></li></ul><p style='text-align:justify;margin-top:9.75pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table summarizes the Company&#8217;s restructu</font><font style='font-family:Times New Roman;font-size:10pt;' >rin</font><font style='font-family:Times New Roman;font-size:10pt;' >g charges, net of revisions</font><font style='font-family:Times New Roman;font-size:10pt;' >, by reportable </font><font style='font-family:Times New Roman;font-size:10pt;' >operating </font><font style='font-family:Times New Roman;font-size:10pt;' >segment </font><font style='font-family:Times New Roman;font-size:10pt;' >and Corporate &amp; Other </font><font style='font-family:Times New Roman;font-size:10pt;' >for the year ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, and the cumulative amounts relating to the restructuring programs that were in progress during </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and initiated at various dates between </font><font style='font-family:Times New Roman;font-size:10pt;' >2009</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cumulative&#160;Restructuring&#160;Expense&#160;Incurred&#160;To&#160;Date&#160;On</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='8' rowspan='1' style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >In-Progress&#160;Restructuring&#160;Programs</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total&#160;Restructuring</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:right;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charges, net </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >revisions</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Severance</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >USCS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >38</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >66</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >72</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ICS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >139</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >220</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >221</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GCS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >54</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >249</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >267</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNMS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >25</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >68</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > - </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >68</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate &amp; Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >155</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >195</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >96</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >291</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >411</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >798</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >121</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >919</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Corporate &amp; Other includes certain severance and other charges of $</font><font style='font-family:Times New Roman;font-size:8pt;' >222</font><font style='font-family:Times New Roman;font-size:8pt;' > million</font><font style='font-family:Times New Roman;font-size:8pt;' > related to Company-wide support functions which were not allocated to the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:8pt;' >reportable </font><font style='font-family:Times New Roman;font-size:8pt;' >operating segments, as these were corporate initiatives</font><font style='font-family:Times New Roman;font-size:8pt;' >, which is </font><font style='font-family:Times New Roman;font-size:8pt;' >consistent with how such charges were reported internally. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, the total expenses to be incurred for previously approved restructuring activities that were in progress are not expected to be materially different than the cumulative expenses inc</font><font style='font-family:Times New Roman;font-size:8pt;' >urred to date for these programs</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table summarizes the Company&#8217;s restructuring reserves activity for the years ended De</font><font style='font-family:Times New Roman;font-size:10pt;' >cember 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Severance</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance as of December&#160;31, 2011</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 170 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 30 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 200 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restructuring charges, net of $16 in revisions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 366 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 403 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Payments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (124)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (9)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (133)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance as of December&#160;31, 2012</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 412 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 58 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 470 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restructuring charges, net of $4 in revisions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (7)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (4)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Payments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (206)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (23)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (229)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other non-cash</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (4)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance at December&#160;31, 2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 196 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 233 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restructuring charges, net of $35 in revisions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 383 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 28 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 411 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Payments</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (93)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (22)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (115)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other non-cash</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (51)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (8)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (59)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability balance as of December&#160;31, 2014</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 435 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 35 </font><sup><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 470 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other pr</font><font style='font-family:Times New Roman;font-size:8pt;' >imarily includes facility exit </font><font style='font-family:Times New Roman;font-size:8pt;' >and contract termination costs. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Revisions</font><font style='font-family:Times New Roman;font-size:8pt;' > primarily relate to higher than anticipated redeployments of displaced employees to other positions within the Company</font><font style='font-family:Times New Roman;font-size:8pt;' >, business changes and modifications to existing initiatives</font><font style='font-family:Times New Roman;font-size:8pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Consists primarily of foreign exchange impacts.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Consists of $</font><font style='font-family:Times New Roman;font-size:8pt;' >42</font><font style='font-family:Times New Roman;font-size:8pt;' > million reserve transferred to the GBT JV in the second quarter of 2014 as part of the GBT sale and $</font><font style='font-family:Times New Roman;font-size:8pt;' >17</font><font style='font-family:Times New Roman;font-size:8pt;' > million of foreign exchange and other non-cash charges. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The majority of cash payments related to the remaining restructuring liabilitie</font><font style='font-family:Times New Roman;font-size:8pt;' >s are </font><font style='font-family:Times New Roman;font-size:8pt;' >expected to be completed in 2015</font><font style='font-family:Times New Roman;font-size:8pt;' >, and to a lesser extent certain contractual long-term severance arrangements and lease obligations are </font><font style='font-family:Times New Roman;font-size:8pt;' >expected to be completed in 2016</font><font style='font-family:Times New Roman;font-size:8pt;' > and 2019, respectively.</font></li></ul><p style='text-align:justify;margin-top:9.75pt;margin-bottom:2pt;line-height:12pt;' ></p></div> 200000000 470000000 233000000 470000000 28000000 3000000 37000000 366000000 -7000000 383000000 -115000000 -133000000 -229000000 35000000 4000000 16000000 <div><p style='text-align:justify;margin-top:9.75pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table summarizes the Company&#8217;s restructu</font><font style='font-family:Times New Roman;font-size:10pt;' >rin</font><font style='font-family:Times New Roman;font-size:10pt;' >g charges, net of revisions</font><font style='font-family:Times New Roman;font-size:10pt;' >, by reportable </font><font style='font-family:Times New Roman;font-size:10pt;' >operating </font><font style='font-family:Times New Roman;font-size:10pt;' >segment </font><font style='font-family:Times New Roman;font-size:10pt;' >and Corporate &amp; Other </font><font style='font-family:Times New Roman;font-size:10pt;' >for the year ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, and the cumulative amounts relating to the restructuring programs that were in progress during </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and initiated at various dates between </font><font style='font-family:Times New Roman;font-size:10pt;' >2009</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cumulative&#160;Restructuring&#160;Expense&#160;Incurred&#160;To&#160;Date&#160;On</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='8' rowspan='1' style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:213.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >In-Progress&#160;Restructuring&#160;Programs</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total&#160;Restructuring</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;text-align:right;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charges, net </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >revisions</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Severance</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >USCS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >38</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >66</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >72</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ICS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >139</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >220</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >221</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GCS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >54</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >249</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >267</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNMS</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >25</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >68</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > - </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >68</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate &amp; Other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >155</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >195</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >96</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >291</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >411</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >798</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >121</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >919</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Corporate &amp; Other includes certain severance and other charges of $</font><font style='font-family:Times New Roman;font-size:8pt;' >222</font><font style='font-family:Times New Roman;font-size:8pt;' > million</font><font style='font-family:Times New Roman;font-size:8pt;' > related to Company-wide support functions which were not allocated to the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:8pt;' >reportable </font><font style='font-family:Times New Roman;font-size:8pt;' >operating segments, as these were corporate initiatives</font><font style='font-family:Times New Roman;font-size:8pt;' >, which is </font><font style='font-family:Times New Roman;font-size:8pt;' >consistent with how such charges were reported internally. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, the total expenses to be incurred for previously approved restructuring activities that were in progress are not expected to be materially different than the cumulative expenses inc</font><font style='font-family:Times New Roman;font-size:8pt;' >urred to date for these programs</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul></div> 38000000 139000000 54000000 25000000 155000000 9700000000 3000000000 0 489000000 369000000 2008 2011 146000000 0.023 2500000000 2000000000 1900000000 452000000 412000000 427000000 31000000 144000000 126000000 19000000 8000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >N</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >OTE</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > 21</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >I</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >ncome </font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >T</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >axes</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The components of income tax expense for the years ended December 31 included in the Consolidated Statements of Income were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Current income tax expense:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. federal</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,136 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,730 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 982 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. state and local</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 264 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 288 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 189 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 412 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 514 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 445 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total current income tax expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,812 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,532 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,616 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred income tax expense (benefit):</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. federal</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 352 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 113 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 359 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. state and local</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 39 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (97)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (120)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (45)</font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:315pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total deferred income tax expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 294 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (3)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 353 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total income tax expense</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,106 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,529 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,969 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >A reconciliation of the U.S. federal statutory rate of 35%</font><font style='font-family:Times New Roman;font-size:10pt;' > percent to the Company&#8217;s actual income tax rate for the years ended December&#160;31 on continuing operations was as&#160;follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. statutory federal income tax rate</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 35.0 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 35.0 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 35.0 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(Decrease) increase in taxes resulting from:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax-exempt income</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1.5)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1.6)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1.6)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and local income taxes, net of federal benefit</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2.7 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3.1 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2.5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S. subsidiaries earnings</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2.2)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2.8)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (5.2)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax settlements</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (0.5)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1.9)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (0.2)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >All other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1.0 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 0.3 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Actual tax rates</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 34.5 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 32.1 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 30.5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Results for all years </font><font style='font-family:Times New Roman;font-size:7.5pt;' >primarily </font><font style='font-family:Times New Roman;font-size:7.5pt;' >include</font><font style='font-family:Times New Roman;font-size:7.5pt;' >d </font><font style='font-family:Times New Roman;font-size:7.5pt;' >tax benefits associated with the undistributed earnings of certain non-U.S. subsidiaries that were deemed to be reinvested indefinitely.</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >In addition,</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;' >include</font><font style='font-family:Times New Roman;font-size:7.5pt;' >d</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >tax </font><font style='font-family:Times New Roman;font-size:7.5pt;' >benefits of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >146</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;' >which decreased the actual tax rates by </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2.3</font><font style='font-family:Times New Roman;font-size:7.5pt;' > percent </font><font style='font-family:Times New Roman;font-size:7.5pt;' >related to the realization of certain foreign tax credits.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Relate</font><font style='font-family:Times New Roman;font-size:7.5pt;' >s to the resolution of tax matters in various </font><font style='font-family:Times New Roman;font-size:7.5pt;' >jurisdictions.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company records a deferred income tax (benefit) provision when there are differences between assets and liabilities measured for financial reporting and for income tax return purposes. These temporary differences result in taxable or de</font><font style='font-family:Times New Roman;font-size:10pt;' >ductible amounts in future years and are measured using the tax rates and laws that will be in effect when such differences are expected to reverse. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The significant components of deferred tax assets and liabilities as of December&#160;31 are reflected in the f</font><font style='font-family:Times New Roman;font-size:10pt;' >ollowing table:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax assets:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Reserves not yet deducted for tax purposes</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,926 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,813 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Employee compensation and benefits</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 789 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 721 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 266 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 546 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross deferred tax assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,981 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,080 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Valuation allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (75)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (121)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax assets after valuation allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,906 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,959 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax liabilities:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Intangibles and fixed assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,597 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,465 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred revenue</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 498 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 453 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred interest</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 350 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 363 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Asset securitization</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 162 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 130 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Investment in joint ventures</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 223 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 10 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;background-color:#ADD8E6;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;background-color:#ADD8E6;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 95 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross deferred tax liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,892 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,516 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net deferred tax assets</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,014 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,443 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >A valuation allowance is established when management determines that it is more likely than not that all or some portion of the benefit of the deferred tax assets will not be realized. The valuation allowances as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > are </font><font style='font-family:Times New Roman;font-size:10pt;' >associated with net operating losses and other deferred tax assets in certain non-U.S. operations of the Company.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Accumulated earnings of certain non-U.S. subsidiaries, which totaled approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >9.7</font><font style='font-family:Times New Roman;font-size:10pt;' > billion as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, are inten</font><font style='font-family:Times New Roman;font-size:10pt;' >ded to be permanently reinvested outside the U.S. The Company does not provide for federal income taxes on foreign earnings intended to be permanently reinvested outside the U.S. Accordingly, federal taxes, which would have aggregated approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >3.0</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;billion as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, have not been provided on those earnings. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Net income taxes paid by the Company during </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, were approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >2.5</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, $</font><font style='font-family:Times New Roman;font-size:10pt;' >2.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.9</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respectiv</font><font style='font-family:Times New Roman;font-size:10pt;' >ely. These amounts include estimated tax payments and cash settlements relating to prior tax years. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company is subject to the income tax laws of the U.S., its states and municipalities and those of the foreign jurisdictions in which the Company operat</font><font style='font-family:Times New Roman;font-size:10pt;' >es. These tax laws are complex, and the manner in which they apply to the taxpayer&#8217;s facts is sometimes open to interpretation. Given these inherent complexities, the Company must make judgments in assessing the likelihood that a tax position will be susta</font><font style='font-family:Times New Roman;font-size:10pt;' >ined upon examination by the taxing authorities based on the technical merits of the tax position. A tax position is recognized only when, based on management&#8217;s judgment regarding the application of income tax laws, it is more likely than not that the tax </font><font style='font-family:Times New Roman;font-size:10pt;' >position will be sustained upon examination. The amount of benefit recognized for financial reporting purposes is based on management&#8217;s best judgment of the largest amount of benefit that is more likely than not to be realized on ultimate settlement with t</font><font style='font-family:Times New Roman;font-size:10pt;' >he taxing authority given the facts, circumstances and information available at the reporting date. The Company adjusts the level of unrecognized tax benefits when there is new information available to assess the likelihood of the outcome.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company is u</font><font style='font-family:Times New Roman;font-size:10pt;' >nder continuous examination by the Internal Revenue Service (IRS) and tax authorities in other countries and states in which the Company has significant business operations. The tax years under examination and open for examination vary by jurisdiction. The</font><font style='font-family:Times New Roman;font-size:10pt;' > IRS has completed its field examination of the Company&#8217;s federal tax returns for years through 2007; however, refund claims for certain years continue to be reviewed by the IRS</font><font style='font-family:Times New Roman;font-size:10pt;' >. In addition, the </font><font style='font-family:Times New Roman;font-size:10pt;' >Company is currently under examination by the IRS for the ye</font><font style='font-family:Times New Roman;font-size:10pt;' >ars </font><font style='font-family:Times New Roman;font-size:10pt;' >2008 through 2011</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:18pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents changes in unrecognized tax benefits:</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance, January 1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,044 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,230 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,223 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Increases:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Current year tax positions</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 124 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 51 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax positions related to prior years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 111 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 176 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 64 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Decreases:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax positions related to prior years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (181)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (371)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (44)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Settlements with tax authorities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (67)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (94)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (25)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Lapse of statute of limitations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (21)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (37)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Effects of foreign currency translations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance, December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 909 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,044 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,230 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Included in the unrecognized tax benefits of $</font><font style='font-family:Times New Roman;font-size:10pt;' >0.9</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >1.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >1.2</font><font style='font-family:Times New Roman;font-size:10pt;' > billion for December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >and </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > are approximately </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >412</font><font style='font-family:Times New Roman;font-size:10pt;' > million, </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >427</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million and </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >452</font><font style='font-family:Times New Roman;font-size:10pt;' > million, </font><font style='font-family:Times New Roman;font-size:10pt;' >respectively that, if </font><font style='font-family:Times New Roman;font-size:10pt;' >recognized, would favorably affect the effective tax rate in a future period.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company believes it is reasonably possible that </font><font style='font-family:Times New Roman;font-size:10pt;' >its</font><font style='font-family:Times New Roman;font-size:10pt;' > unrecognized tax benefits could decrease within the next 12&#160;months by as much as $</font><font style='font-family:Times New Roman;font-size:10pt;' >489</font><font style='font-family:Times New Roman;font-size:10pt;' > million </font><font style='font-family:Times New Roman;font-size:10pt;' >principally as a result of potential resolutions of prior years&#8217; tax items with various taxing authorities. The prior years&#8217; tax items include unreco</font><font style='font-family:Times New Roman;font-size:10pt;' >gnized tax benefits relating to </font><font style='font-family:Times New Roman;font-size:10pt;' >the deductibility of certain expenses or losses and the attribution of taxa</font><font style='font-family:Times New Roman;font-size:10pt;' >ble income to a particular jurisdiction or jurisdictions. Of the $</font><font style='font-family:Times New Roman;font-size:10pt;' >489</font><font style='font-family:Times New Roman;font-size:10pt;' > million of unrecognized tax benefits, approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >369</font><font style='font-family:Times New Roman;font-size:10pt;' > million relates to amounts </font><font style='font-family:Times New Roman;font-size:10pt;' >that if recognized would be recorded to shareholders&#8217; equity and</font><font style='font-family:Times New Roman;font-size:10pt;' > would not impact the </font><font style='font-family:Times New Roman;font-size:10pt;' >Com</font><font style='font-family:Times New Roman;font-size:10pt;' >pany&#8217;s results of operations or the effective tax rate.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest and penalties relating to unrecognized tax benefits are reported in the income tax provision.</font><font style='font-family:Times New Roman;font-size:10pt;' > During the years ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > the Company recognized </font><font style='font-family:Times New Roman;font-size:10pt;' >benefits of </font><font style='font-family:Times New Roman;font-size:10pt;' >approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >19</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >31</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >8</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively, of interest and penalties. The Company has approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >126</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >144</font><font style='font-family:Times New Roman;font-size:10pt;' > million accrued for the payment of interest and penalties a</font><font style='font-family:Times New Roman;font-size:10pt;' >s of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </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;' > respectively.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The components of income tax expense for the years ended December 31 included in the Consolidated Statements of Income were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:justify;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Current income tax expense:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. federal</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,136 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,730 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 982 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. state and local</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 264 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 288 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 189 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 412 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 514 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 445 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total current income tax expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,812 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,532 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,616 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred income tax expense (benefit):</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. federal</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 352 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 113 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 359 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. state and local</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 39 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (97)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (120)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (45)</font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:315pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total deferred income tax expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 294 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (3)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 353 </font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total income tax expense</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,106 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,529 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,969 </font></td></tr></table></div> 2136000000 264000000 412000000 2812000000 1730000000 288000000 514000000 2532000000 982000000 189000000 445000000 1616000000 352000000 39000000 -97000000 294000000 113000000 4000000 -120000000 -3000000 359000000 39000000 -45000000 353000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >A reconciliation of the U.S. federal statutory rate of 35%</font><font style='font-family:Times New Roman;font-size:10pt;' > percent to the Company&#8217;s actual income tax rate for the years ended December&#160;31 on continuing operations was as&#160;follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. statutory federal income tax rate</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 35.0 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 35.0 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 35.0 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(Decrease) increase in taxes resulting from:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax-exempt income</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1.5)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1.6)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1.6)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and local income taxes, net of federal benefit</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2.7 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3.1 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2.5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S. subsidiaries earnings</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2.2)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2.8)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (5.2)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax settlements</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (0.5)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1.9)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (0.2)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >All other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1.0 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 0.3 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Actual tax rates</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 34.5 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 32.1 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 30.5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Results for all years </font><font style='font-family:Times New Roman;font-size:7.5pt;' >primarily </font><font style='font-family:Times New Roman;font-size:7.5pt;' >include</font><font style='font-family:Times New Roman;font-size:7.5pt;' >d </font><font style='font-family:Times New Roman;font-size:7.5pt;' >tax benefits associated with the undistributed earnings of certain non-U.S. subsidiaries that were deemed to be reinvested indefinitely.</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >In addition,</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;' >include</font><font style='font-family:Times New Roman;font-size:7.5pt;' >d</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >tax </font><font style='font-family:Times New Roman;font-size:7.5pt;' >benefits of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >146</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;' >which decreased the actual tax rates by </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2.3</font><font style='font-family:Times New Roman;font-size:7.5pt;' > percent </font><font style='font-family:Times New Roman;font-size:7.5pt;' >related to the realization of certain foreign tax credits.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Relate</font><font style='font-family:Times New Roman;font-size:7.5pt;' >s to the resolution of tax matters in various </font><font style='font-family:Times New Roman;font-size:7.5pt;' >jurisdictions.</font></li></ul></div> -0.015 0.027 -0.022 -0.005 0.01 0.345 -0.016 0.031 -0.028 -0.019 0.003 0.321 -0.016 0.025 -0.052 -0.002 0 0.305 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The significant components of deferred tax assets and liabilities as of December&#160;31 are reflected in the f</font><font style='font-family:Times New Roman;font-size:10pt;' >ollowing table:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax assets:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Reserves not yet deducted for tax purposes</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,926 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,813 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Employee compensation and benefits</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 789 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 721 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 266 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 546 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross deferred tax assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,981 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,080 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Valuation allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (75)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (121)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax assets after valuation allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,906 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,959 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred tax liabilities:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Intangibles and fixed assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,597 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,465 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred revenue</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 498 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 453 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Deferred interest</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 350 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 363 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Asset securitization</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 162 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 130 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Investment in joint ventures</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 223 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 10 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;background-color:#ADD8E6;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;background-color:#ADD8E6;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 95 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:382.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:382.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gross deferred tax liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,892 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,516 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net deferred tax assets</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,014 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,443 </font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company records a deferred income tax (benefit) provision when there are differences between assets and liabilities measured for financial reporting and for income tax return purposes. These temporary differences result in taxable or de</font><font style='font-family:Times New Roman;font-size:10pt;' >ductible amounts in future years and are measured using the tax rates and laws that will be in effect when such differences are expected to reverse. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >A valuation allowance is established when management determines that it is more likely than not that all or some portion of the benefit of the deferred tax assets will not be realized. The valuation allowances as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > are </font><font style='font-family:Times New Roman;font-size:10pt;' >associated with net operating losses and other deferred tax assets in certain non-U.S. operations of the Company.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest and penalties relating to unrecognized tax benefits are reported in the income tax provision.</font></p></div> 3926000000 789000000 266000000 4981000000 75000000 4906000000 498000000 2892000000 3813000000 721000000 546000000 5080000000 121000000 4959000000 453000000 2516000000 2014000000 2443000000 1597000000 1465000000 350000000 363000000 162000000 130000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company is subject to the income tax laws of the U.S., its states and municipalities and those of the foreign jurisdictions in which the Company operat</font><font style='font-family:Times New Roman;font-size:10pt;' >es. These tax laws are complex, and the manner in which they apply to the taxpayer&#8217;s facts is sometimes open to interpretation. Given these inherent complexities, the Company must make judgments in assessing the likelihood that a tax position will be susta</font><font style='font-family:Times New Roman;font-size:10pt;' >ined upon examination by the taxing authorities based on the technical merits of the tax position. A tax position is recognized only when, based on management&#8217;s judgment regarding the application of income tax laws, it is more likely than not that the tax </font><font style='font-family:Times New Roman;font-size:10pt;' >position will be sustained upon examination. The amount of benefit recognized for financial reporting purposes is based on management&#8217;s best judgment of the largest amount of benefit that is more likely than not to be realized on ultimate settlement with t</font><font style='font-family:Times New Roman;font-size:10pt;' >he taxing authority given the facts, circumstances and information available at the reporting date. The Company adjusts the level of unrecognized tax benefits when there is new information available to assess the likelihood of the outcome.</font></p></div> 750000000 750000000 750000000 200000 100000 7600000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >22</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Earnings Per Common Share (EPS)</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The computations of basic and diluted EPS for the years ended December&#160;31 were as&#160;follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except per share amounts)</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Numerator:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Basic and diluted:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5,885</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,359</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,482</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:315pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Earnings allocated to participating share awards</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (46)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (47)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (49)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income attributable to common shareholders</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5,839</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,312</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,433</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Denominator:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Basic: Weighted-average common stock</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,045</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,082</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,135</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Add: Weighted-average stock options</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Diluted</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,051</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,089</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,141</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Basic EPS</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5.58</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.91</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.91</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Diluted EPS</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5.56</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.88</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.89</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company&#8217;s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any </font><font style='font-family:Times New Roman;font-size:8pt;' >dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities. The related participating securities are similarly excluded from the denominator.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >T</font><font style='font-family:Times New Roman;font-size:8pt;' >he dilutive effect of unexercise</font><font style='font-family:Times New Roman;font-size:8pt;' >d stock options excludes </font><font style='font-family:Times New Roman;font-size:8pt;' >0.2</font><font style='font-family:Times New Roman;font-size:8pt;' >&#160;million, </font><font style='font-family:Times New Roman;font-size:8pt;' >0.1</font><font style='font-family:Times New Roman;font-size:8pt;' >&#160;million and </font><font style='font-family:Times New Roman;font-size:8pt;' >7.6</font><font style='font-family:Times New Roman;font-size:8pt;' >&#160;million options from the computation of EPS </font><font style='font-family:Times New Roman;font-size:8pt;' >f</font><font style='font-family:Times New Roman;font-size:8pt;' >or the years ended December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, </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;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >respectively, because </font><font style='font-family:Times New Roman;font-size:8pt;' >inclusion of the options would have</font><font style='font-family:Times New Roman;font-size:8pt;' > been anti-dilutive. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >For the years ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > the Company met specified performance measures related to the </font><font style='font-family:Times New Roman;font-size:10pt;' >Subordinated </font><font style='font-family:Times New Roman;font-size:10pt;' >D</font><font style='font-family:Times New Roman;font-size:10pt;' >ebentures of $</font><font style='font-family:Times New Roman;font-size:10pt;' >750</font><font style='font-family:Times New Roman;font-size:10pt;' > million issued</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >in 2006</font><font style='font-family:Times New Roman;font-size:10pt;' >, and maturing in 2036. If the performance measur</font><font style='font-family:Times New Roman;font-size:10pt;' >es were not achieved in any given quarter, the Company would be required to issue common shares and apply the proceeds to make interest payments.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The computations of basic and diluted EPS for the years ended December&#160;31 were as&#160;follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except per share amounts)</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Numerator:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Basic and diluted:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5,885</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,359</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,482</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:315pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Earnings allocated to participating share awards</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (46)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (47)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (49)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income attributable to common shareholders</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5,839</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,312</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,433</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Denominator:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Basic: Weighted-average common stock</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,045</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,082</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,135</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Add: Weighted-average stock options</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='4' rowspan='1' style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Diluted</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,051</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,089</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,141</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Basic EPS</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5.58</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.91</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.91</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Diluted EPS</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >5.56</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.88</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.89</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company&#8217;s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any </font><font style='font-family:Times New Roman;font-size:8pt;' >dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities. The related participating securities are similarly excluded from the denominator.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >T</font><font style='font-family:Times New Roman;font-size:8pt;' >he dilutive effect of unexercise</font><font style='font-family:Times New Roman;font-size:8pt;' >d stock options excludes </font><font style='font-family:Times New Roman;font-size:8pt;' >0.2</font><font style='font-family:Times New Roman;font-size:8pt;' >&#160;million, </font><font style='font-family:Times New Roman;font-size:8pt;' >0.1</font><font style='font-family:Times New Roman;font-size:8pt;' >&#160;million and </font><font style='font-family:Times New Roman;font-size:8pt;' >7.6</font><font style='font-family:Times New Roman;font-size:8pt;' >&#160;million options from the computation of EPS </font><font style='font-family:Times New Roman;font-size:8pt;' >f</font><font style='font-family:Times New Roman;font-size:8pt;' >or the years ended December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, </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;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >respectively, because </font><font style='font-family:Times New Roman;font-size:8pt;' >inclusion of the options would have</font><font style='font-family:Times New Roman;font-size:8pt;' > been anti-dilutive. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 6000000 7000000 6000000 4433000000 5312000000 5839000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >19</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Non-interest revenue and expense detail</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of O</font><font style='font-family:Times New Roman;font-size:10pt;' >ther commissions and fees for the years ended December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign currency conversion fee revenue</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >877 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 877 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 855 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Delinquency fees</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >722 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 667 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 604 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loyalty Partner-related fees</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >383 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 310 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 290 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Service fees</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >366 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 375 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 362 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >160 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 185 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 206 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Other commissions and fees</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,508 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,414 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,317 </font></td></tr><tr style='height:0.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other 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 revenu</font><font style='font-family:Times New Roman;font-size:8pt;' >e from 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></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of Other revenues for the years ended December&#160;31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on sale of investment in Concur Technologies </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >744</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Network Services partner revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >694</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >650</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >664</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net realized gains on investment securities</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >100</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >136</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >126</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,451</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,488</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,635</font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Other revenues</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,989</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,274</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,425</font></td></tr><tr style='height:6.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Net realized gains on investment securities include gross losses of nil, nil and $1 million for the years ended December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, </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;' >. Specific identification method is used to </font><font style='font-family:Times New Roman;font-size:8pt;' >reclass</font><font style='font-family:Times New Roman;font-size:8pt;' > unrealized gain (losses) into earnings from AOCI upon sale or maturity.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other includes revenues arising from foreign exchange gains on cross-border Card Member spending, merchant-related fees, insurance premiums earned from Card Member travel and other insurance programs, Travelers </font><font style='font-family:Times New Roman;font-size:8pt;' >Cheques</font><font style='font-family:Times New Roman;font-size:8pt;' >-related revenues, revenues related to</font><font style='font-family:Times New Roman;font-size:8pt;' > the GBT JV transition </font><font style='font-family:Times New Roman;font-size:8pt;' >services agreement, earnings from </font><font style='font-family:Times New Roman;font-size:8pt;' >equity method investments and other miscellaneous revenue and fees</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of Marketing, promotion, rewards, Card Member services and other for the years ended December&#160;31:</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Marketing and promotion</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,320</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,043</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,890</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member rewards</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6,931</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,457</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,282</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member services and other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >822</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >767</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >772</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Marketing, promotion, rewards, Card Member services and other </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >11,073</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10,267</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >9,944</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Marketing and promotion expense includes advertising costs, which are expensed in the year in which the advertising first takes place. Card Member rewards expense includes the costs of rewards programs, including Membership Rewards and co-brand </font><font style='font-family:Times New Roman;font-size:10pt;' >arrangements. Card Member services expense includes protection plans and complimentary services provided to Card Members. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of Other, net expenses</font><font style='font-family:Times New Roman;font-size:10pt;' > for the years ended December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Professional services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >3,008</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >3,102</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2,963</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Occupancy and equipment</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >1,807</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,904</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,823</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Card-related fraud losses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >369</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >278</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >278</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Communications</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >383</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >379</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >383</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Gain on business travel joint venture transaction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >(630)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >1,152</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,133</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,404</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Total Other, net</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >6,089</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >6,796</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >6,851</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations (other than the business travel joint venture transaction), litigation, certain internal and regulatory </font><font style='font-family:Times New Roman;font-size:8pt;' >review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner-related expenses</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of O</font><font style='font-family:Times New Roman;font-size:10pt;' >ther commissions and fees for the years ended December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:57pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign currency conversion fee revenue</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >877 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 877 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 855 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Delinquency fees</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >722 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 667 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 604 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loyalty Partner-related fees</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >383 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 310 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 290 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Service fees</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >366 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 375 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 362 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >160 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 185 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 206 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Other commissions and fees</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,508 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,414 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,317 </font></td></tr><tr style='height:0.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other 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 revenu</font><font style='font-family:Times New Roman;font-size:8pt;' >e from 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></p></div> 877000000 722000000 366000000 160000000 877000000 667000000 185000000 375000000 604000000 206000000 855000000 362000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of Other revenues for the years ended December&#160;31: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on sale of investment in Concur Technologies </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >744</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Network Services partner revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >694</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >650</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >664</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net realized gains on investment securities</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >100</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >136</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >126</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,451</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,488</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,635</font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Other revenues</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,989</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,274</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,425</font></td></tr><tr style='height:6.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:45pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Net realized gains on investment securities include gross losses of nil, nil and $1 million for the years ended December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, </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;' >. Specific identification method is used to </font><font style='font-family:Times New Roman;font-size:8pt;' >reclass</font><font style='font-family:Times New Roman;font-size:8pt;' > unrealized gain (losses) into earnings from AOCI upon sale or maturity.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other includes revenues arising from foreign exchange gains on cross-border Card Member spending, merchant-related fees, insurance premiums earned from Card Member travel and other insurance programs, Travelers </font><font style='font-family:Times New Roman;font-size:8pt;' >Cheques</font><font style='font-family:Times New Roman;font-size:8pt;' >-related revenues, revenues related to</font><font style='font-family:Times New Roman;font-size:8pt;' > the GBT JV transition </font><font style='font-family:Times New Roman;font-size:8pt;' >services agreement, earnings from </font><font style='font-family:Times New Roman;font-size:8pt;' >equity method investments and other miscellaneous revenue and fees</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 664000000 126000000 1635000000 100000000 1451000000 694000000 650000000 136000000 1488000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of Marketing, promotion, rewards, Card Member services and other for the years ended December&#160;31:</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Marketing and promotion</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3,320</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,043</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,890</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member rewards</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6,931</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,457</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,282</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member services and other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >822</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >767</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >772</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total Marketing, promotion, rewards, Card Member services and other </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >11,073</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10,267</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >9,944</font></td></tr></table></div> 3043000000 6457000000 767000000 822000000 6931000000 3320000000 2890000000 772000000 6282000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following is a detail of Other, net expenses</font><font style='font-family:Times New Roman;font-size:10pt;' > for the years ended December&#160;31:</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Professional services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >3,008</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >3,102</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >2,963</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Occupancy and equipment</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >1,807</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,904</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,823</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Card-related fraud losses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >369</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >278</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >278</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Communications</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >383</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >379</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >383</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Gain on business travel joint venture transaction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >(630)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >1,152</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,133</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >1,404</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >Total Other, net</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;font-weight:bold;color:#000000;' >6,089</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >6,796</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8.5pt;color:#000000;' >6,851</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations (other than the business travel joint venture transaction), litigation, certain internal and regulatory </font><font style='font-family:Times New Roman;font-size:8pt;' >review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner-related expenses</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></p></div> 2963000000 1823000000 383000000 1404000000 1807000000 383000000 3008000000 1152000000 1904000000 1133000000 379000000 3102000000 36000000 35000000 35000000 Stock options generally vest 25 percent per year beginning with the first anniversary of the grant date or at 100 percent on the third anniversary of the grant date. 245000000 374000000 209000000 368000000 283000000 580000000 84000000 54000000 45000000 2750000 33800000 10500000 0 0 0 500000 300000 RSAs are valued based on the stock price on the date of grant and generally vest 25 percent per year, beginning with the first anniversary of the grant date or at 100 percent on the third anniversary of the grant date. 43000000 62000000 66000000 211000000 6000000 P1Y4M0D P2Y1M0D 104000000 127000000 107000000 298000000 336000000 296000000 86.65 60.13 49.8 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 11 </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Stock Plans </font></p><p style='text-align:justify;margin-top:4.5pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Stock Option and Award Programs </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Under the 2007 Incentive Compensation Plan and previously under the 1</font><font style='font-family:Times New Roman;font-size:10pt;' >998 Incentive Compensation Plan</font><font style='font-family:Times New Roman;font-size:10pt;' >, awards may be granted to employees and other key individuals who perform services for the </font><font style='font-family:Times New Roman;font-size:10pt;' >Company and its participating subsidiaries. These awards may be in the form of stock options, restricted stock awards or units</font><font style='font-family:Times New Roman;font-size:10pt;' > (RSAs), portfolio grants (PGs) or other incentives,</font><font style='font-family:Times New Roman;font-size:10pt;' > and similar awards designed to meet the requirements of non-U.S. jurisdiction</font><font style='font-family:Times New Roman;font-size:10pt;' >s. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >For the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >Incentive Compensation </font><font style='font-family:Times New Roman;font-size:10pt;' >Plans, ther</font><font style='font-family:Times New Roman;font-size:10pt;' >e were a total of </font><font style='font-family:Times New Roman;font-size:10pt;' >35</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million, </font><font style='font-family:Times New Roman;font-size:10pt;' >35</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million and </font><font style='font-family:Times New Roman;font-size:10pt;' >36</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million common shares unissued and available for grant 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;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > respectively, as autho</font><font style='font-family:Times New Roman;font-size:10pt;' >rized by the Company&#8217;s Board of Directors and shareholders. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company granted stock option awards to its Chief Executive Officer (CEO) in November 2007 and January 2008 that have performance-based and market-based conditions. These option awards</font><font style='font-family:Times New Roman;font-size:10pt;' > are separately disclosed </font><font style='font-family:Times New Roman;font-size:10pt;' >and are excluded from the information and tables presented in the following paragraphs. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >A summary of stock option and RSA activity 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;' >2014</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 changes during the year is </font><font style='font-family:Times New Roman;font-size:10pt;' >presented below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:270pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:270pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='4' rowspan='1' style='width:112.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:112.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Stock Options</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='4' rowspan='1' style='width:112.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:112.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >RSAs</font></td></tr><tr style='height:40.5pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Shares in thousands)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Shares</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-Average Exercise Price</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Shares</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Grant</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Price</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding as of December 31, 2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 18,615 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 44.98 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 9,578 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 51.88 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Granted</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 295 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 86.64 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,639 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 86.65 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Exercised/vested</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (5,893)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48.05 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (3,427)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 47.25 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Forfeited</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (242)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 51.83 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (916)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 60.98 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Expired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (46)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 47.84 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding as of December 31, 2014 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >12,729</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 44.39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7,874 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 64.48 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Options vested and expected to vest as of December 31, 2014 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >12,726</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 44.39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Options exercisable as of December 31, 2014 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >11,628</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 42.64 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company recognizes the cost of employee stock awards granted in exchange for employee services based on the grant-date fair value of the award, net of expected forfeitures. Those costs are recognized r</font><font style='font-family:Times New Roman;font-size:10pt;' >atably over the vesting period.</font></p><p style='text-align:justify;line-height:1pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:1pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Stock O</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >ptions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Each stock option has an exercise price equal to the market price of the Company&#8217;s common stock on the date of grant and a contractual term of 10 years from the date of grant. </font><font style='font-family:Times New Roman;font-size:10pt;' >Stock options&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >generally</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;vest 25 percent per year beginning with the first annive</font><font style='font-family:Times New Roman;font-size:10pt;' >rsary of the grant date&#160;or </font><font style='font-family:Times New Roman;font-size:10pt;' >at 100 percent on the third anniversary of the grant date.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >The weighted-average remaining contractual life and the aggregate intrinsic value (the amount by which the fair value of the Company&#8217;s stock exceeds the exercise p</font><font style='font-family:Times New Roman;font-size:10pt;' >rice of the option) of the stock options outstanding, exercisable, and vested and expected to vest 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > are</font><font style='font-family:Times New Roman;font-size:10pt;' > as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:30.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Exercisable</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Vested and Expected to Vest</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-average remaining contractual life </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(in years)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3.8</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3.5</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3.8</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Aggregate intrinsic value </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(millions)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >619</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >586</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >619</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The intrinsic value for options exercised during </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > was $</font><font style='font-family:Times New Roman;font-size:10pt;' >245</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >374</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >209</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively (based upon the fair value of the Company&#8217;s stock price at the date of exercise). Cash received from the exercise of stock options in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > was $</font><font style='font-family:Times New Roman;font-size:10pt;' >283</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >580</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >368</font><font style='font-family:Times New Roman;font-size:10pt;' > million, </font><font style='font-family:Times New Roman;font-size:10pt;' >respectively. The tax benefit realized from income tax deductions from stock option exercises, which was recorded in additional paid-in capital, in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > was $</font><font style='font-family:Times New Roman;font-size:10pt;' >54</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >84</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >45</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectiv</font><font style='font-family:Times New Roman;font-size:10pt;' >ely. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The fair value of each option is estimated on the date of grant using a Black-</font><font style='font-family:Times New Roman;font-size:10pt;' >Scholes</font><font style='font-family:Times New Roman;font-size:10pt;' >-Merton option-pricing model. The following weighted-average assumptions were used for grants issued in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > the majority of which were gr</font><font style='font-family:Times New Roman;font-size:10pt;' >anted in the beginning of each year: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Dividend yield</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1.1</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.4</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.5</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Expected volatility</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >46</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >39</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >41</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Risk-free interest rate</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2.2</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Expected life of stock option (</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >in years</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >)</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >6.7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-average fair value per option</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >32.36</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21.11</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >17.48</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The expected volatility is based on both weighted historical and implied volatilities of the Company&#8217;s common stock price.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >In </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' >, the expected life of stock options was determined using </font><font style='font-family:Times New Roman;font-size:7.5pt;' >both </font><font style='font-family:Times New Roman;font-size:7.5pt;' >historical data and expectations of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >option exercise behavior. </font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Stock Options with Performance-based and Market-based Conditions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >On November&#160;30, 2007 and January&#160;31, 2008, the Company&#8217;s CEO was granted in the aggregate </font><font style='font-family:Times New Roman;font-size:10pt;' >2,750,000 </font><font style='font-family:Times New Roman;font-size:10pt;' >of non-qualified stock option awards with performance-based and m</font><font style='font-family:Times New Roman;font-size:10pt;' >arket-based conditions. Both awards have a contractual term of 10 years and a vesting period of 6 years. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The </font><font style='font-family:Times New Roman;font-size:10pt;' >aggregate grant date fair value of options with performance-based conditions was approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >33.8</font><font style='font-family:Times New Roman;font-size:10pt;' > million. Compensation expense for these a</font><font style='font-family:Times New Roman;font-size:10pt;' >wards was not recognized as the performance metrics were not achieved, and therefore, these stock options were forfeited. No compensation expense for these awards was recorded in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >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;' >.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The </font><font style='font-family:Times New Roman;font-size:10pt;' >aggregate grant date fair value of option</font><font style='font-family:Times New Roman;font-size:10pt;' >s with market-based conditions was approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >10.5</font><font style='font-family:Times New Roman;font-size:10pt;' > million. Compensation expense for these awards was recognized ratably over the vesting period. In January 2014, following the completion of the performance period, the Compensation and Benefits Com</font><font style='font-family:Times New Roman;font-size:10pt;' >mittee reviewed the Company&#8217;s performance and confirmed that the market-based condition was achieved, resulting in a vesting of these stock options (687,000 out of 2,750,000 options became exercisable). </font><font style='font-family:Times New Roman;font-size:10pt;' >No compensation expense for these awards was recorded</font><font style='font-family:Times New Roman;font-size:10pt;' > in 2014</font><font style='font-family:Times New Roman;font-size:12pt;' >.</font><font style='font-family:Times New Roman;font-size:12pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >Total compensation expense of approximately </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >0.3</font><font style='font-family:Times New Roman;font-size:10pt;' > million </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;' >0.5</font><font style='font-family:Times New Roman;font-size:10pt;' > million was recorded in </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;' >, respectively</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Restricted Stock Awards </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >RSAs are valued based on the stock price on the date of grant and </font><font style='font-family:Times New Roman;font-size:10pt;' >generally</font><font style='font-family:Times New Roman;font-size:10pt;' > vest 25 percent per year</font><font style='font-family:Times New Roman;font-size:10pt;' > beginning with the firs</font><font style='font-family:Times New Roman;font-size:10pt;' >t anniversary of the grant date</font><font style='font-family:Times New Roman;font-size:10pt;' > or </font><font style='font-family:Times New Roman;font-size:10pt;' >at 100 percent on the third anniversary of the grant date. RSA holders receive non-forfeitable dividends or dividend equivalents. </font><font style='font-family:Times New Roman;font-size:10pt;' >The total fair value of shares vested duri</font><font style='font-family:Times New Roman;font-size:10pt;' >ng </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > was $</font><font style='font-family:Times New Roman;font-size:10pt;' >298</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >336</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >296</font><font style='font-family:Times New Roman;font-size:10pt;' > million, respectively (based upon the Company&#8217;s stock price at the vesting date). </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The weighted-average grant date fair value of RSAs granted in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > is $</font><font style='font-family:Times New Roman;font-size:10pt;' >86.65</font><font style='font-family:Times New Roman;font-size:10pt;' >, $</font><font style='font-family:Times New Roman;font-size:10pt;' >60.13</font><font style='font-family:Times New Roman;font-size:10pt;' > and $</font><font style='font-family:Times New Roman;font-size:10pt;' >49.80</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Liability-based Awards</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Certain employees are awarded PGs and other incentive awards that can be settled with cash or equity shares at the Company&#8217;s discretion and final Compensation and Benefits Committee payout approval. These awards earn value based on performance, market and </font><font style='font-family:Times New Roman;font-size:10pt;' >service conditions and vest over periods of one to three years. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:13.5pt;' >PGs and other incentive awards are generally settled with cash and thus are classified as liabilities and, therefore, the fair value is determined at the date of grant and </font><font style='font-family:Times New Roman;font-size:10pt;' >remeasured</font><font style='font-family:Times New Roman;font-size:10pt;' > quarterl</font><font style='font-family:Times New Roman;font-size:10pt;' >y as part of compensation expense over the vesting period. </font><font style='font-family:Times New Roman;font-size:10pt;' >Cash paid upon vesting of these awards in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' > was $</font><font style='font-family:Times New Roman;font-size:10pt;' >62</font><font style='font-family:Times New Roman;font-size:10pt;' > million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >43</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >66</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;' > respectively. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Summary of Stock Plan Expense</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The comp</font><font style='font-family:Times New Roman;font-size:10pt;' >onents of the Company&#8217;s total stock-based compensation expense (net of forfeitures) for the years ended December 31 are as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restricted stock awards</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >193</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >208</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >197</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Stock options</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >13</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >23</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >29</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability-based awards</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >84</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >119</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >70</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Performance/market-based stock options</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total stock-based compensation expense </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >290</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >350</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >297</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><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;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, the total unrecognized compensation cost related </font><font style='font-family:Times New Roman;font-size:7.5pt;' >to unvested RSAs and options of</font><font style='font-family:Times New Roman;font-size:7.5pt;' > $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >211</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >6</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, respectively, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >will</font><font style='font-family:Times New Roman;font-size:7.5pt;' > be recognized ratably over the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >weighted-average remaining vesting period </font><font style='font-family:Times New Roman;font-size:7.5pt;' >of</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >1.3</font><font style='font-family:Times New Roman;font-size:7.5pt;' > years</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;' >2.1</font><font style='font-family:Times New Roman;font-size:7.5pt;' > years, respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The total incom</font><font style='font-family:Times New Roman;font-size:7.5pt;' >e tax benefit recognized in the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >Consolidated Statements of Income</font><font style='font-family:Times New Roman;font-size:7.5pt;' > for stock-ba</font><font style='font-family:Times New Roman;font-size:7.5pt;' >sed compensation arrangements </font><font style='font-family:Times New Roman;font-size:7.5pt;' >for the years ended</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </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;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' > was $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >104</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;' >127</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >107</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, respectively. </font></li></ul></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >A summary of stock option and RSA activity 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;' >2014</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 changes during the year is </font><font style='font-family:Times New Roman;font-size:10pt;' >presented below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:270pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:270pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='4' rowspan='1' style='width:112.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:112.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Stock Options</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='4' rowspan='1' style='width:112.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:112.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >RSAs</font></td></tr><tr style='height:40.5pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Shares in thousands)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Shares</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-Average Exercise Price</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Shares</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Grant</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Price</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding as of December 31, 2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 18,615 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 44.98 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 9,578 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 51.88 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Granted</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 295 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 86.64 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,639 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 86.65 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Exercised/vested</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (5,893)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48.05 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (3,427)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 47.25 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Forfeited</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (242)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 51.83 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (916)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 60.98 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Expired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (46)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 47.84 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding as of December 31, 2014 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >12,729</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 44.39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7,874 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 64.48 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Options vested and expected to vest as of December 31, 2014 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >12,726</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 44.39 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:292.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Options exercisable as of December 31, 2014 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >11,628</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 42.64 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td></tr></table></div> 12729000 9578000 2639000 -3427000 -916000 7874000 51.88 47.25 64.48 18615000 295000 -5893000 -242000 -46000 44.98 86.64 48.05 51.83 47.84 44.39 44.39 42.64 12726000 11628000 60.98 86.65 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >The weighted-average remaining contractual life and the aggregate intrinsic value (the amount by which the fair value of the Company&#8217;s stock exceeds the exercise p</font><font style='font-family:Times New Roman;font-size:10pt;' >rice of the option) of the stock options outstanding, exercisable, and vested and expected to vest 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > are</font><font style='font-family:Times New Roman;font-size:10pt;' > as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:30.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Outstanding</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Exercisable</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Vested and Expected to Vest</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-average remaining contractual life </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(in years)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3.8</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3.5</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3.8</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Aggregate intrinsic value </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(millions)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >619</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >586</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >619</font></td></tr></table></div> 619000000 586000000 619000000 P3Y10M0D P3Y6M0D P3Y10M0D <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The fair value of each option is estimated on the date of grant using a Black-</font><font style='font-family:Times New Roman;font-size:10pt;' >Scholes</font><font style='font-family:Times New Roman;font-size:10pt;' >-Merton option-pricing model. The following weighted-average assumptions were used for grants issued in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > the majority of which were gr</font><font style='font-family:Times New Roman;font-size:10pt;' >anted in the beginning of each year: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Dividend yield</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >1.1</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.4</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.5</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Expected volatility</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >46</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >39</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >41</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Risk-free interest rate</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2.2</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >1.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Expected life of stock option (</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >in years</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >)</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >6.7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:44.25pt;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6.3</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Weighted-average fair value per option</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >32.36</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21.11</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >17.48</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The expected volatility is based on both weighted historical and implied volatilities of the Company&#8217;s common stock price.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >In </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' >, the expected life of stock options was determined using </font><font style='font-family:Times New Roman;font-size:7.5pt;' >both </font><font style='font-family:Times New Roman;font-size:7.5pt;' >historical data and expectations of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >option exercise behavior. </font></li></ul></div> 0.022 0.013 0.013 0.011 0.015 0.014 0.46 0.39 0.41 P6Y4M0D P6Y4M0D P6Y8M0D 32.36 21.11 17.48 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The comp</font><font style='font-family:Times New Roman;font-size:10pt;' >onents of the Company&#8217;s total stock-based compensation expense (net of forfeitures) for the years ended December 31 are as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Restricted stock awards</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >193</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >208</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >197</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Stock options</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >13</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >23</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >29</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Liability-based awards</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >84</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >119</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >70</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Performance/market-based stock options</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total stock-based compensation expense </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >290</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >350</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >297</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><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;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, the total unrecognized compensation cost related </font><font style='font-family:Times New Roman;font-size:7.5pt;' >to unvested RSAs and options of</font><font style='font-family:Times New Roman;font-size:7.5pt;' > $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >211</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >6</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, respectively, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >will</font><font style='font-family:Times New Roman;font-size:7.5pt;' > be recognized ratably over the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >weighted-average remaining vesting period </font><font style='font-family:Times New Roman;font-size:7.5pt;' >of</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >1.3</font><font style='font-family:Times New Roman;font-size:7.5pt;' > years</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;' >2.1</font><font style='font-family:Times New Roman;font-size:7.5pt;' > years, respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The total incom</font><font style='font-family:Times New Roman;font-size:7.5pt;' >e tax benefit recognized in the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >Consolidated Statements of Income</font><font style='font-family:Times New Roman;font-size:7.5pt;' > for stock-ba</font><font style='font-family:Times New Roman;font-size:7.5pt;' >sed compensation arrangements </font><font style='font-family:Times New Roman;font-size:7.5pt;' >for the years ended</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </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;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </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;' > and </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;' > was $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >104</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;' >127</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >107</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, respectively. </font></li></ul></div> 84000000 193000000 290000000 13000000 0 119000000 0 350000000 23000000 208000000 297000000 1000000 197000000 70000000 29000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 12</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Retirement Plans </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Defined Contribution Retirement Plans</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company</font><font style='font-family:Times New Roman;font-size:10pt;' > sponsors defined contribution retirement plans, the principal plan being the Retirement Savings Plan (RSP), a 401(k) savings plan with a profit-sharing component. The RSP is a tax-qualified retirement plan subject to </font><font style='font-family:Times New Roman;font-size:10pt;' >the </font><font style='font-family:Times New Roman;font-size:10pt;' >Employee Retirement Income Securit</font><font style='font-family:Times New Roman;font-size:10pt;' >y Act of 1974 (ERISA) and covers most employees in the U.S. </font><font style='font-family:Times New Roman;font-size:10pt;' >The total expense for all defined contribution retirement plans globally was </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >272</font><font style='font-family:Times New Roman;font-size:10pt;' > million, </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >281</font><font style='font-family:Times New Roman;font-size:10pt;' > million and </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >254</font><font style='font-family:Times New Roman;font-size:10pt;' > million in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectiv</font><font style='font-family:Times New Roman;font-size:10pt;' >ely.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Defined Benefit Pension </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >and other postretirement benefit </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Plans </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >primary defined benefit pension plans that cover certain employees in the U.S. and United Kingdom are closed to new entrants and existing participants do not accrue any additional benefits. Most employees outside the U.S. and United Kingdom are covered by </font><font style='font-family:Times New Roman;font-size:10pt;' >local retirement plans, some of which are funded, while other employees receive payments at the time of retirement or termination under applicable labor laws or agreements. The Company complies with minimum funding requirements in all countries. The Compan</font><font style='font-family:Times New Roman;font-size:10pt;' >y sponsors unfunded other postretirement benefit plans that provide health care and life insurance to certain retired U.S. employees. </font><font style='font-family:Times New Roman;font-size:10pt;' >The total expense for these plans was </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >24</font><font style='font-family:Times New Roman;font-size:10pt;' > million, </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >59</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;' >93</font><font style='font-family:Times New Roman;font-size:10pt;' > million in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >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></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company </font><font style='font-family:Times New Roman;font-size:10pt;' >recognizes</font><font style='font-family:Times New Roman;font-size:10pt;' > the funded status </font><font style='font-family:Times New Roman;font-size:10pt;' >of its defined benefit pension plans and other postretirement benefit plans, measured</font><font style='font-family:Times New Roman;font-size:10pt;' > as the difference between the fair value of</font><font style='font-family:Times New Roman;font-size:10pt;' > the </font><font style='font-family:Times New Roman;font-size:10pt;' >plan assets and the projected benefit ob</font><font style='font-family:Times New Roman;font-size:10pt;' >ligation</font><font style='font-family:Times New Roman;font-size:10pt;' >, in the Consolidated Balance Sheets.</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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the funded status related to the defined benefit pension plans</font><font style='font-family:Times New Roman;font-size:10pt;' > and other postretirement benefit plans was </font><font style='font-family:Times New Roman;font-size:10pt;' >underfunded by $</font><font style='font-family:Times New Roman;font-size:10pt;' >767</font><font style='font-family:Times New Roman;font-size:10pt;' > million</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >661</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;' >respectively, and is recorded in </font><font style='font-family:Times New Roman;font-size:10pt;' >Other</font><font style='font-family:Times New Roman;font-size:10pt;' > liabilities.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >24</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Significant C</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >redit </font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >C</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >oncentrations </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Concentrations of credit risk exist when changes in economic, industry or geographic factors similarly affect groups of counterparties whose aggregate credit exposure is material in relation to American Express&#8217; total credit exposure. The Company&#8217;s customers operate in diverse industries, economic sectors and geographic regions.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table details the Company&#8217;s maximum credit exposure by category, including the credit exposure associated with derivative financial instruments, as of December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >On-balance sheet:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Individuals</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 101 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 98 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Financial institutions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 25 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 22 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government and agencies</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >All other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 17 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 17 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total on-balance sheet</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 147 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >141</font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unused lines-of-credit &#8213; individuals</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(f)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 278 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >265</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:13.8pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Individuals primarily include </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > loans and receivables. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Financial institutions primarily include debt obligations of banks, broker-dealers, insurance companies and savings and loan associations. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >U.S. Government and agencies represent debt </font><font style='font-family:Times New Roman;font-size:8pt;' >obligations of the U.S. Government and its agencies, states and municipalities and government</font><font style='font-family:Times New Roman;font-size:8pt;' >-</font><font style='font-family:Times New Roman;font-size:8pt;' >sponsored entities. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >All other primarily includes </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 from other corporate institutions. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Certain distinctions between categories require mana</font><font style='font-family:Times New Roman;font-size:8pt;' >gement judgment. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Because charge card products </font><font style='font-family:Times New Roman;font-size:8pt;' >generally </font><font style='font-family:Times New Roman;font-size:8pt;' >have no preset spending limit, the associated credit limit on </font><font style='font-family:Times New Roman;font-size:8pt;' >charge products</font><font style='font-family:Times New Roman;font-size:8pt;' > is not quantifiable. Therefore, the quantified unused line-of-credit amounts only include the approximate credit line ava</font><font style='font-family:Times New Roman;font-size:8pt;' >ilable on </font><font style='font-family:Times New Roman;font-size:8pt;' >lending products</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font><font style='font-family:Times New Roman;font-size:8pt;' > </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company&#8217;s most significant concentration of credit risk was with individuals, including </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. These amounts are generally advanced on an unsecured basis.</font><font style='font-family:Times New Roman;font-size:10pt;' > However, the Company reviews each potential customer&#8217;s credit application and evaluates the applicant&#8217;s financial history and ability and willingness to repay. The Company also considers credit performance by customer tenure, industry and geographic locat</font><font style='font-family:Times New Roman;font-size:10pt;' >ion in managing credit exposure.</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table details the Company&#8217;s Card Member loans and receivables exposure (including unused lines-of-credit on Card Member loans) in the U.S. and outside the U.S. as of December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >On-balance sheet:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >89</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >22</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >On-balance sheet</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 115 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >111</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unused lines-of-credit &#8213; individuals:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 234 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >219</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >46</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total unused lines-of-credit &#8213; individuals</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 278 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >265</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Represents Card Member loans to individuals as well as receivables from individuals and corporate institutions as discussed in footnotes (a)&#160;and (d)&#160;from the previous table. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The remainder of the Company&#8217;s on-bala</font><font style='font-family:Times New Roman;font-size:7.5pt;' >nce sheet exposure includes cash, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >investments, other loans, oth</font><font style='font-family:Times New Roman;font-size:7.5pt;' >er receivables and other assets</font><font style='font-family:Times New Roman;font-size:7.5pt;' > including der</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ivative financial instruments. </font><font style='font-family:Times New Roman;font-size:7.5pt;' >These balances are primarily within the U</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font><font style='font-family:Times New Roman;font-size:7.5pt;' >S.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table details the Company&#8217;s maximum credit exposure by category, including the credit exposure associated with derivative financial instruments, as of December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >On-balance sheet:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Individuals</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 101 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 98 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Financial institutions</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 25 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 22 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government and agencies</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >All other</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 17 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 17 </font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total on-balance sheet</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 147 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >141</font></td></tr><tr style='height:9.75pt;' ><td style='width:315pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unused lines-of-credit &#8213; individuals</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(f)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 278 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >265</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:13.8pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Individuals primarily include </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > loans and receivables. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Financial institutions primarily include debt obligations of banks, broker-dealers, insurance companies and savings and loan associations. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >U.S. Government and agencies represent debt </font><font style='font-family:Times New Roman;font-size:8pt;' >obligations of the U.S. Government and its agencies, states and municipalities and government</font><font style='font-family:Times New Roman;font-size:8pt;' >-</font><font style='font-family:Times New Roman;font-size:8pt;' >sponsored entities. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >All other primarily includes </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 from other corporate institutions. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Certain distinctions between categories require mana</font><font style='font-family:Times New Roman;font-size:8pt;' >gement judgment. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Because charge card products </font><font style='font-family:Times New Roman;font-size:8pt;' >generally </font><font style='font-family:Times New Roman;font-size:8pt;' >have no preset spending limit, the associated credit limit on </font><font style='font-family:Times New Roman;font-size:8pt;' >charge products</font><font style='font-family:Times New Roman;font-size:8pt;' > is not quantifiable. Therefore, the quantified unused line-of-credit amounts only include the approximate credit line ava</font><font style='font-family:Times New Roman;font-size:8pt;' >ilable on </font><font style='font-family:Times New Roman;font-size:8pt;' >lending products</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font><font style='font-family:Times New Roman;font-size:8pt;' > </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 101000000000 98000000000 25000000000 22000000000 4000000000 4000000000 17000000000 17000000000 147000000000 141000000000 278000000000 265000000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table details the Company&#8217;s Card Member loans and receivables exposure (including unused lines-of-credit on Card Member loans) in the U.S. and outside the U.S. as of December&#160;31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >On-balance sheet:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >89</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >22</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >On-balance sheet</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 115 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >111</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Unused lines-of-credit &#8213; individuals:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 234 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >219</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >46</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total unused lines-of-credit &#8213; individuals</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 278 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >265</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Represents Card Member loans to individuals as well as receivables from individuals and corporate institutions as discussed in footnotes (a)&#160;and (d)&#160;from the previous table. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The remainder of the Company&#8217;s on-bala</font><font style='font-family:Times New Roman;font-size:7.5pt;' >nce sheet exposure includes cash, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >investments, other loans, oth</font><font style='font-family:Times New Roman;font-size:7.5pt;' >er receivables and other assets</font><font style='font-family:Times New Roman;font-size:7.5pt;' > including der</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ivative financial instruments. </font><font style='font-family:Times New Roman;font-size:7.5pt;' >These balances are primarily within the U</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font><font style='font-family:Times New Roman;font-size:7.5pt;' >S.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div> 115000000000 111000000000 89000000000 94000000000 21000000000 22000000000 234000000000 219000000000 46000000000 44000000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents the regulatory capital ratios </font><font style='font-family:Times New Roman;font-size:10pt;' >for the Company and the Banks</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >CET1</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tier 1</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >CET1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tier 1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tier 1</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:13.5pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except percentages)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital ratio</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital ratio</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital ratio</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >leverage ratio</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >December&#160;31, 2014:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Company</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 17,525 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 18,176 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 20,801 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >13.1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 13.6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15.6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 11.8 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Centurion Bank</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,174 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,174 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,584 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >18.8</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 18.8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 20.1 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 18.7 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Bank, FSB</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,722 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,722 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7,604 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >14.2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 14.2 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 16.0 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15.1 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >December&#160;31, 2013:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:left;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Company</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >16,174</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18,585</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12.5</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >14.4</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10.9</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Centurion Bank</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,366</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,765</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >19.9</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >21.2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >19.0</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Bank, FSB</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,744</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7,662</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >15.6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >17.7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >17.5</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:46.5pt;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Well-capitalized ratios</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(f)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6.0</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10.0</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5.0</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Minimum capital ratios</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5.5</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8.0</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning in 2014, as a Basel III Advanced Approaches institution, capital ratios are reported using Basel III capital definitions, inclusive of transition provisions and Basel I risk-weighted assets. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >As part of the new Basel III capital rule, effective for 2014, Basel III Advanced Approaches institutions are required to disclose Common Equity Tier 1 capital and associated ratio. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >FSB Tier 1 leverage ratio is calculated using ending total assets in 2013</font><font style='font-family:Times New Roman;font-size:8pt;' > and average total assets in 2014 as prescribed by OCC regulations applicable to federal savings banks. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents requirements for banking subs</font><font style='font-family:Times New Roman;font-size:8pt;' >idiaries to be considered &#8220;well-</font><font style='font-family:Times New Roman;font-size:8pt;' >capitalized&#8221; pursuant to regulations issued under the Federal Deposit Insurance</font><font style='font-family:Times New Roman;font-size:8pt;' > Corporation Improvement Act. There is no &#8220;we</font><font style='font-family:Times New Roman;font-size:8pt;' >ll-</font><font style='font-family:Times New Roman;font-size:8pt;' >capitalized&#8221; definition for the Tier 1 leverage ratio for a bank holding company.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >As defined by the regulations issu</font><font style='font-family:Times New Roman;font-size:8pt;' >ed by the Federal Reserve, OCC </font><font style='font-family:Times New Roman;font-size:8pt;' >and FDIC</font><font style='font-family:Times New Roman;font-size:8pt;' > for the year ended December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning J</font><font style='font-family:Times New Roman;font-size:8pt;' >anuary 1, 2015, Basel III CET1 well-capitalized ratios become relevant capital measures under the prompt and corrective action requirements defined by the regulations for Advanced Approaches institutions.</font></li></ul><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div> 18176000000 6174000000 6722000000 16174000000 6366000000 6744000000 18585000000 6765000000 7662000000 20801000000 6584000000 7604000000 0.136 0.188 0.142 0.06 0.055 0.156 0.201 0.16 0.118 0.187 0.151 0.1 0.08 0.05 0.04 0.199 0.212 0.156 0.125 0.177 0.144 0.109 0.19 0.175 0.06 0.055 0.1 0.08 0.05 0.04 11000000000 2100000000 1800000000 1900000000 1400000000 4600000000 3600000000 0 360000000 281000000 305000000 237000000 34000000 <div><p style='text-align:justify;margin-top:2pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Legal Contingencies</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' >, governmental examinations</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</font><font style='font-family:Times New Roman;font-size:10pt;' > 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company and various of its subsidiaries were named as a defendant or were otherwise involved in numerous legal proceedings and governmental examinations in various jurisdictions, both in and </font><font style='font-family:Times New Roman;font-size:10pt;' >outside the U.S</font><font style='font-family:Times New Roman;font-size:10pt;' >. 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;' >mate</font><font style='font-family:Times New Roman;font-size:10pt;' >rial </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;' > &#8220;Legal Proceedings&#8221; in its Annual Report on Form 10-K for the year ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > (Legal Proceedings).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company has recorded liabilities for certain of its outstanding legal proceedi</font><font style='font-family:Times New Roman;font-size:10pt;' >ngs 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;' >. T</font><font style='font-family:Times New Roman;font-size:10pt;' >here 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 C</font><font style='font-family:Times New Roman;font-size:10pt;' >ompany 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 or a revision to the disclosed estimated range </font><font style='font-family:Times New Roman;font-size:10pt;' >of possible losses, as applicable. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company&#8217;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;' > 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 line</font><font style='font-family:Times New Roman;font-size:10pt;' >s 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 pend</font><font style='font-family:Times New Roman;font-size:10pt;' >ing against the Company specify the damages claimed by the plaintiff, many seek </font><font style='font-family:Times New Roman;font-size:10pt;' >an unspecified </font><font style='font-family:Times New Roman;font-size:10pt;' >amount of damages or are at very early stages of the legal process. Even when the amount of damages claimed against the Company are stated, the claimed amount ma</font><font style='font-family:Times New Roman;font-size:10pt;' >y 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='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Other mat</font><font style='font-family:Times New Roman;font-size:10pt;' >ters have progressed sufficiently through discovery and/or development of important factual information and legal issues so that the Company is able to estimate a range of possible loss. Accordingly, for those legal proceedings and governmental examination</font><font style='font-family:Times New Roman;font-size:10pt;' >s disclosed or referred to in Legal Proceedings where a loss is reasonably 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 possibl</font><font style='font-family:Times New Roman;font-size:10pt;' >e loss, the current estimated range is zero to $</font><font style='font-family:Times New Roman;font-size:10pt;' >360</font><font style='font-family:Times New Roman;font-size:10pt;' > million in excess of any accrued liability related to these matters. This aggregate range represents management&#8217;s estimate of possible loss with respect to these matters and is based on currently ava</font><font style='font-family:Times New Roman;font-size:10pt;' >ilable information. This estimated range of possible loss does not represent the Company&#8217;s maximum loss exposure. The legal proceedings and governmental examinations underlying the estimated range will change from time to time and actual results may vary s</font><font style='font-family:Times New Roman;font-size:10pt;' >ignificantly from current estimates.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:12pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >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 </font><font style='font-family:Times New Roman;font-size:10pt;' >governmental examination that would have a material adverse effect on the Company&#8217;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 materia</font><font style='font-family:Times New Roman;font-size:10pt;' >l to the Company&#8217;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&#8217;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></div> <div><p style='text-align:justify;margin-top:9.8pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 13</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Commitments and Contingencies </font></p><p style='text-align:justify;margin-top:2pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Legal Contingencies</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' >, governmental examinations</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</font><font style='font-family:Times New Roman;font-size:10pt;' > 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company and various of its subsidiaries were named as a defendant or were otherwise involved in numerous legal proceedings and governmental examinations in various jurisdictions, both in and </font><font style='font-family:Times New Roman;font-size:10pt;' >outside the U.S</font><font style='font-family:Times New Roman;font-size:10pt;' >. 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;' >mate</font><font style='font-family:Times New Roman;font-size:10pt;' >rial </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;' > &#8220;Legal Proceedings&#8221; in its Annual Report on Form 10-K for the year ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > (Legal Proceedings).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company has recorded liabilities for certain of its outstanding legal proceedi</font><font style='font-family:Times New Roman;font-size:10pt;' >ngs 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;' >. T</font><font style='font-family:Times New Roman;font-size:10pt;' >here 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 C</font><font style='font-family:Times New Roman;font-size:10pt;' >ompany 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 or a revision to the disclosed estimated range </font><font style='font-family:Times New Roman;font-size:10pt;' >of possible losses, as applicable. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company&#8217;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;' > 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 line</font><font style='font-family:Times New Roman;font-size:10pt;' >s 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 pend</font><font style='font-family:Times New Roman;font-size:10pt;' >ing against the Company specify the damages claimed by the plaintiff, many seek </font><font style='font-family:Times New Roman;font-size:10pt;' >an unspecified </font><font style='font-family:Times New Roman;font-size:10pt;' >amount of damages or are at very early stages of the legal process. Even when the amount of damages claimed against the Company are stated, the claimed amount ma</font><font style='font-family:Times New Roman;font-size:10pt;' >y 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='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Other mat</font><font style='font-family:Times New Roman;font-size:10pt;' >ters have progressed sufficiently through discovery and/or development of important factual information and legal issues so that the Company is able to estimate a range of possible loss. Accordingly, for those legal proceedings and governmental examination</font><font style='font-family:Times New Roman;font-size:10pt;' >s disclosed or referred to in Legal Proceedings where a loss is reasonably 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 possibl</font><font style='font-family:Times New Roman;font-size:10pt;' >e loss, the current estimated range is zero to $</font><font style='font-family:Times New Roman;font-size:10pt;' >360</font><font style='font-family:Times New Roman;font-size:10pt;' > million in excess of any accrued liability related to these matters. This aggregate range represents management&#8217;s estimate of possible loss with respect to these matters and is based on currently ava</font><font style='font-family:Times New Roman;font-size:10pt;' >ilable information. This estimated range of possible loss does not represent the Company&#8217;s maximum loss exposure. The legal proceedings and governmental examinations underlying the estimated range will change from time to time and actual results may vary s</font><font style='font-family:Times New Roman;font-size:10pt;' >ignificantly from current estimates.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:12pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >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 </font><font style='font-family:Times New Roman;font-size:10pt;' >governmental examination that would have a material adverse effect on the Company&#8217;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 materia</font><font style='font-family:Times New Roman;font-size:10pt;' >l to the Company&#8217;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&#8217;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='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >OTHER COMMITMENTS</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company also has obligations to make pa</font><font style='font-family:Times New Roman;font-size:10pt;' >yments under contractual agreements with certain co-brand partners. The Company expects to fully satisfy these obligations over the remaining term of these agreements, which range from 2015 to 2022</font><font style='font-family:Times New Roman;font-size:10pt;' >, as part of the ongoing operations of its business. The ob</font><font style='font-family:Times New Roman;font-size:10pt;' >ligations under such arrangements were approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion as of December </font><font style='font-family:Times New Roman;font-size:10pt;' >31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Rent Expense and Lease Commitments </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company leases certain facilities and equipment under non-cancelable and cancelable agreements. The total rental </font><font style='font-family:Times New Roman;font-size:10pt;' >expense amounted to $</font><font style='font-family:Times New Roman;font-size:10pt;' >237</font><font style='font-family:Times New Roman;font-size:10pt;' > million in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, $</font><font style='font-family:Times New Roman;font-size:10pt;' >281</font><font style='font-family:Times New Roman;font-size:10pt;' > million 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;' >305</font><font style='font-family:Times New Roman;font-size:10pt;' > million in </font><font style='font-family:Times New Roman;font-size:10pt;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the minimum aggregate rental commitment under all non-cancelable operating leases (net of subleases of $</font><font style='font-family:Times New Roman;font-size:10pt;' >34</font><font style='font-family:Times New Roman;font-size:10pt;' > million) was as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:472.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2015</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >189</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2016</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >161</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >144</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >126</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >94</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Thereafter</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >921</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1,635</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company&#8217;s future minimum lease payments under capital leases or other similar arrangements is approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >4</font><font style='font-family:Times New Roman;font-size:10pt;' > million in 2015 through 2019, and $</font><font style='font-family:Times New Roman;font-size:10pt;' >19</font><font style='font-family:Times New Roman;font-size:10pt;' > million thereafter. </font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the minimum aggregate rental commitment under all non-cancelable operating leases (net of subleases of $</font><font style='font-family:Times New Roman;font-size:10pt;' >34</font><font style='font-family:Times New Roman;font-size:10pt;' > million) was as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:472.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:56.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2015</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >189</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2016</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >161</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >144</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >126</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2019</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >94</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Thereafter</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >921</font></td></tr><tr style='height:9.75pt;' ><td style='width:472.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:472.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1,635</font></td></tr></table></div> 189000000 161000000 144000000 126000000 94000000 921000000 1635000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 25</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Reportable Operating Segments and Geographic Operations </font></p><p style='text-align:justify;margin-top:2pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Reportable Operating Segments </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company is a leading global payments and travel company</font><font style='font-family:Times New Roman;font-size:10pt;' > that is principally engaged in businesses comprising four reportable operating segments: USCS, ICS, GCS and GNMS. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company considers a combination of factors when evaluating the composition of its reportable operating segments, including the results r</font><font style='font-family:Times New Roman;font-size:10pt;' >eviewed by the chief operating decision maker, economic characteristics, products and services offered, classes of customers, product distribution channels, geographic considerations (pri</font><font style='font-family:Times New Roman;font-size:10pt;' >marily U.S. versus non-U.S.</font><font style='font-family:Times New Roman;font-size:10pt;' >), and regulatory environment consideratio</font><font style='font-family:Times New Roman;font-size:10pt;' >ns. </font><font style='font-family:Times New Roman;font-size:10pt;' >T</font><font style='font-family:Times New Roman;font-size:10pt;' >he following</font><font style='font-family:Times New Roman;font-size:10pt;' > is a brief description of the primary business activities of the Company&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;' > four reportable operating segments: </font></p><ul><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >USCS issues a wide range of card products and services to consumers and small businesses in the U.S., and provides consumer tr</font><font style='font-family:Times New Roman;font-size:10pt;' >avel services to Card Members and other consumers.</font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >ICS issues proprietary consumer and small business</font><font style='font-family:Times New Roman;font-size:10pt;' > cards outside the U.S</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >and operates coalition loyalty business in various countries.</font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >GCS offers global corporate payment services t</font><font style='font-family:Times New Roman;font-size:10pt;' >o large and mid-sized c</font><font style='font-family:Times New Roman;font-size:10pt;' >ompanies. The Company&#8217;s business travel operations, which had been included in GCS, were deconsolidated effective June 30, 2014 in connection with the GBT JV transaction. </font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >GNMS operates</font><font style='font-family:Times New Roman;font-size:10pt;' > a global payments network that</font><font style='font-family:Times New Roman;font-size:10pt;' > processes and settles proprietary and </font><font style='font-family:Times New Roman;font-size:10pt;' >non-</font><font style='font-family:Times New Roman;font-size:10pt;' >proprietary card transactions.&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >GNMS acquires merchants and provides point-of-sale products, </font><font style='font-family:Times New Roman;font-size:10pt;' >multi-channel marketing programs and capabilities, services and data, </font><font style='font-family:Times New Roman;font-size:10pt;' >leveraging </font><font style='font-family:Times New Roman;font-size:10pt;' >the Company&#8217;s global closed-loop network.</font><font style='font-family:Times New Roman;font-size:10pt;' > It enters into pa</font><font style='font-family:Times New Roman;font-size:10pt;' >rtnership agreements</font><font style='font-family:Times New Roman;font-size:10pt;' > with third-</font><font style='font-family:Times New Roman;font-size:10pt;' >party card issuers and acquirers, licensing the American Express brand and extending the reach of the global network.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >C</font><font style='font-family:Times New Roman;font-size:10pt;' >orporate functions and certain other</font><font style='font-family:Times New Roman;font-size:10pt;' > businesses, including the Co</font><font style='font-family:Times New Roman;font-size:10pt;' >mpany&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >Enterprise Growth Group</font><font style='font-family:Times New Roman;font-size:10pt;' > and other </font><font style='font-family:Times New Roman;font-size:10pt;' >operations</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > are i</font><font style='font-family:Times New Roman;font-size:10pt;' >ncluded in Corporate&#160;&amp; Other.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents certain selected financial information as of </font><font style='font-family:Times New Roman;font-size:10pt;' >or for the years ended </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate &amp;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except where indicated)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >USCS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ICS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GCS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNMS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Consolidated</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 12,732 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,737 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,173 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,426 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 752 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 28,820 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,786 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,085 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 52 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 241 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7,179 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 604 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 330 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 240 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (269)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 802 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,707 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 17,914 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,492 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,948 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,747 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 191 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 34,292 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total provision</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,396 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 370 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 180 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 93 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,044 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,100 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 449 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,408 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,620 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1,586)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 8,991 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,900 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 38 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 865 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 960 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (657)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,106 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,200 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 411 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,543 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,660 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (929)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,885 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total equity</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >10.4</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3.0</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3.8</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.5</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 20.7 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 12,123 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,644 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,085 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,229 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 846 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 27,927 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,565 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,118 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 13 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 32 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 277 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 7,005 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 693 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 361 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 245 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (252)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 911 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,958 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 16,995 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,401 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,853 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,513 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 212 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 32,974 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total provision</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,250 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 388 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 129 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 67 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,832 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,994 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 643 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,244 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,469 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1,462)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 7,888 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,801 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 12 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 384 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 894 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (562)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,529 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,193 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 631 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 860 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,575 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (900)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,359 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total equity</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >9.3</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.4</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 19.5 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11,469</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,561</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,995</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,005</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 897 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >26,927</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,342</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,147</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >23</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >331</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,854</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >765</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >402</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >257</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (243)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,045 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,226</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >16,046</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,306</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,749</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,271</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >183</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31,555</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total provision</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,253</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >279</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >106</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >73</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,712</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,069</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >659</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >960</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,219</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1,456)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,451</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,477 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 25 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >316</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >776</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (625)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,969</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,592</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >634</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >644</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,443</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (831)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,482</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total equity</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8.7</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 18.9 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Corporate&#160;&amp; Other includes adjustments and eliminations for intersegment activity. </font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Total Revenues Net of Interest Expense </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company allocates discount revenue and certain other revenues among segments using a transfer pricing methodology. </font><font style='font-family:Times New Roman;font-size:10pt;' >Within the USCS, ICS and GCS segments, discount revenue </font><font style='font-family:Times New Roman;font-size:10pt;' >reflects</font><font style='font-family:Times New Roman;font-size:10pt;' > the issuer component of the </font><font style='font-family:Times New Roman;font-size:10pt;' >overall discount revenue generated by each segment</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217;</font><font style='font-family:Times New Roman;font-size:10pt;' >s Card Members; within the GNMS segment, discount revenue </font><font style='font-family:Times New Roman;font-size:10pt;' >reflects</font><font style='font-family:Times New Roman;font-size:10pt;' > the network and acquirer component of the overall discount revenue. Net card fees and travel commissions and fees are directly attributabl</font><font style='font-family:Times New Roman;font-size:10pt;' >e to the segment in which they are reported.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest and fees on loans and certain investment income is directly attributable to the segment in which it</font><font style='font-family:Times New Roman;font-size:10pt;' > is reported. Interest expense represents</font><font style='font-family:Times New Roman;font-size:10pt;' > an allocated funding cost based on a combination of segment f</font><font style='font-family:Times New Roman;font-size:10pt;' >unding requirements and internal funding rates.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Provisions for Losses </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The provisions for losses are directly attributable to the segment in which they are reported. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Expenses </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Marketing and promotion expenses are included in each segment based on actual </font><font style='font-family:Times New Roman;font-size:10pt;' >expenses incurred, </font><font style='font-family:Times New Roman;font-size:10pt;' >with the exception of brand advertising, which is primarily reflected in the GNMS </font><font style='font-family:Times New Roman;font-size:10pt;' >and USCS </font><font style='font-family:Times New Roman;font-size:10pt;' >segment</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' >. Rewards and Card Member services expenses are </font><font style='font-family:Times New Roman;font-size:10pt;' >included</font><font style='font-family:Times New Roman;font-size:10pt;' > in each segment based on actual expenses incurred within each segment. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Salaries </font><font style='font-family:Times New Roman;font-size:10pt;' >and employee benefits and other operating expenses </font><font style='font-family:Times New Roman;font-size:10pt;' >include</font><font style='font-family:Times New Roman;font-size:10pt;' > expenses such as professional services, occupancy and equipment and communications incurred directly within each segment. In addition, expenses related to the Company&#8217;s support services, such as te</font><font style='font-family:Times New Roman;font-size:10pt;' >chnology costs, are allocated to each segment </font><font style='font-family:Times New Roman;font-size:10pt;' >primarily </font><font style='font-family:Times New Roman;font-size:10pt;' >based on support service activities directly attributable to the segment. Other overhead expenses, such as staff group support functions, are allocated from Corporate&#160;&amp; Other to the other segments bas</font><font style='font-family:Times New Roman;font-size:10pt;' >ed on </font><font style='font-family:Times New Roman;font-size:10pt;' >a mix of </font><font style='font-family:Times New Roman;font-size:10pt;' >each segment&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >direct consumption of services and </font><font style='font-family:Times New Roman;font-size:10pt;' >relative level of pretax income. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Capital </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Each business segment is allocated capital based on established business model operating requirements, risk measures and regulatory capital requirem</font><font style='font-family:Times New Roman;font-size:10pt;' >ents. Business model operating requirements include capital needed to support operations and specific balance sheet items. The risk measures include considerations for credit, market and operational risk. </font></p><p style='text-align:justify;margin-top:9.75pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Income Taxes </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >An income tax provision (benefit) is allocated to each business segment based on the effective tax rates applicable to various businesses that comprise the segment.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Geographic O</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >perations </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents the Company&#8217;s total revenues net of interest expense and pretax income</font><font style='font-family:Times New Roman;font-size:10pt;' > (loss) from continuing operations</font><font style='font-family:Times New Roman;font-size:10pt;' > i</font><font style='font-family:Times New Roman;font-size:10pt;' >n different geographic regions:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:18pt;' ><td colspan='2' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S.</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >EMEA</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >JAPA</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >LACC</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other Unallocated</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td colspan='2' rowspan='1' style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Consolidated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 24,855 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,767 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,934 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,888 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (152)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 34,292 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,869 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 525 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 463 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 683 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,549)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,991 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:189pt;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 23,745 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3,700 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,952 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,900 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (323)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >32,974</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 7,679 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 524 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 488 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 701 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,504)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >7,888</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:189pt;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 22,631 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3,594 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3,106 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,774 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (550)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >31,555</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6,468 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 505 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 426 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 605 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,553)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6,451</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >EMEA represents Europe, </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;' >Middle East and Africa</font><font style='font-family:Times New Roman;font-size:7.5pt;' >;</font><font style='font-family:Times New Roman;font-size:7.5pt;' > JAPA represents Japan, Asia/Pacific and Australia</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 LACC represents Latin America, Canada and </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;' >Caribbean.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Other</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >U</font><font style='font-family:Times New Roman;font-size:7.5pt;' >nallocated </font><font style='font-family:Times New Roman;font-size:7.5pt;' >includes net costs</font><font style='font-family:Times New Roman;font-size:7.5pt;' > which are not directly allocable</font><font style='font-family:Times New Roman;font-size:7.5pt;' > to specific geographic regions, including</font><font style='font-family:Times New Roman;font-size:7.5pt;' > costs related to the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >net </font><font style='font-family:Times New Roman;font-size:7.5pt;' >negative </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;' >spread on excess liquidity </font><font style='font-family:Times New Roman;font-size:7.5pt;' >funding </font><font style='font-family:Times New Roman;font-size:7.5pt;' >and executive office operations</font><font style='font-family:Times New Roman;font-size:7.5pt;' > expenses</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The data in the above table is, in part, based upon internal allocations, which necessarily involve management&#8217;s judgment</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li></ul></div> <div><p style='text-align:justify;margin-top:2pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Reportable Operating Segments </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company is a leading global payments and travel company</font><font style='font-family:Times New Roman;font-size:10pt;' > that is principally engaged in businesses comprising four reportable operating segments: USCS, ICS, GCS and GNMS. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company considers a combination of factors when evaluating the composition of its reportable operating segments, including the results r</font><font style='font-family:Times New Roman;font-size:10pt;' >eviewed by the chief operating decision maker, economic characteristics, products and services offered, classes of customers, product distribution channels, geographic considerations (pri</font><font style='font-family:Times New Roman;font-size:10pt;' >marily U.S. versus non-U.S.</font><font style='font-family:Times New Roman;font-size:10pt;' >), and regulatory environment consideratio</font><font style='font-family:Times New Roman;font-size:10pt;' >ns. </font><font style='font-family:Times New Roman;font-size:10pt;' >T</font><font style='font-family:Times New Roman;font-size:10pt;' >he following</font><font style='font-family:Times New Roman;font-size:10pt;' > is a brief description of the primary business activities of the Company&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;' > four reportable operating segments: </font></p><ul><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >USCS issues a wide range of card products and services to consumers and small businesses in the U.S., and provides consumer tr</font><font style='font-family:Times New Roman;font-size:10pt;' >avel services to Card Members and other consumers.</font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >ICS issues proprietary consumer and small business</font><font style='font-family:Times New Roman;font-size:10pt;' > cards outside the U.S</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >and operates coalition loyalty business in various countries.</font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >GCS offers global corporate payment services t</font><font style='font-family:Times New Roman;font-size:10pt;' >o large and mid-sized c</font><font style='font-family:Times New Roman;font-size:10pt;' >ompanies. The Company&#8217;s business travel operations, which had been included in GCS, were deconsolidated effective June 30, 2014 in connection with the GBT JV transaction. </font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;' >GNMS operates</font><font style='font-family:Times New Roman;font-size:10pt;' > a global payments network that</font><font style='font-family:Times New Roman;font-size:10pt;' > processes and settles proprietary and </font><font style='font-family:Times New Roman;font-size:10pt;' >non-</font><font style='font-family:Times New Roman;font-size:10pt;' >proprietary card transactions.&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >GNMS acquires merchants and provides point-of-sale products, </font><font style='font-family:Times New Roman;font-size:10pt;' >multi-channel marketing programs and capabilities, services and data, </font><font style='font-family:Times New Roman;font-size:10pt;' >leveraging </font><font style='font-family:Times New Roman;font-size:10pt;' >the Company&#8217;s global closed-loop network.</font><font style='font-family:Times New Roman;font-size:10pt;' > It enters into pa</font><font style='font-family:Times New Roman;font-size:10pt;' >rtnership agreements</font><font style='font-family:Times New Roman;font-size:10pt;' > with third-</font><font style='font-family:Times New Roman;font-size:10pt;' >party card issuers and acquirers, licensing the American Express brand and extending the reach of the global network.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >C</font><font style='font-family:Times New Roman;font-size:10pt;' >orporate functions and certain other</font><font style='font-family:Times New Roman;font-size:10pt;' > businesses, including the Co</font><font style='font-family:Times New Roman;font-size:10pt;' >mpany&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >Enterprise Growth Group</font><font style='font-family:Times New Roman;font-size:10pt;' > and other </font><font style='font-family:Times New Roman;font-size:10pt;' >operations</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > are i</font><font style='font-family:Times New Roman;font-size:10pt;' >ncluded in Corporate&#160;&amp; Other.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Total Revenues Net of Interest Expense </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company allocates discount revenue and certain other revenues among segments using a transfer pricing methodology. </font><font style='font-family:Times New Roman;font-size:10pt;' >Within the USCS, ICS and GCS segments, discount revenue </font><font style='font-family:Times New Roman;font-size:10pt;' >reflects</font><font style='font-family:Times New Roman;font-size:10pt;' > the issuer component of the </font><font style='font-family:Times New Roman;font-size:10pt;' >overall discount revenue generated by each segment</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217;</font><font style='font-family:Times New Roman;font-size:10pt;' >s Card Members; within the GNMS segment, discount revenue </font><font style='font-family:Times New Roman;font-size:10pt;' >reflects</font><font style='font-family:Times New Roman;font-size:10pt;' > the network and acquirer component of the overall discount revenue. Net card fees and travel commissions and fees are directly attributabl</font><font style='font-family:Times New Roman;font-size:10pt;' >e to the segment in which they are reported.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest and fees on loans and certain investment income is directly attributable to the segment in which it</font><font style='font-family:Times New Roman;font-size:10pt;' > is reported. Interest expense represents</font><font style='font-family:Times New Roman;font-size:10pt;' > an allocated funding cost based on a combination of segment f</font><font style='font-family:Times New Roman;font-size:10pt;' >unding requirements and internal funding rates.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Provisions for Losses </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The provisions for losses are directly attributable to the segment in which they are reported. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Expenses </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Marketing and promotion expenses are included in each segment based on actual </font><font style='font-family:Times New Roman;font-size:10pt;' >expenses incurred, </font><font style='font-family:Times New Roman;font-size:10pt;' >with the exception of brand advertising, which is primarily reflected in the GNMS </font><font style='font-family:Times New Roman;font-size:10pt;' >and USCS </font><font style='font-family:Times New Roman;font-size:10pt;' >segment</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' >. Rewards and Card Member services expenses are </font><font style='font-family:Times New Roman;font-size:10pt;' >included</font><font style='font-family:Times New Roman;font-size:10pt;' > in each segment based on actual expenses incurred within each segment. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Salaries </font><font style='font-family:Times New Roman;font-size:10pt;' >and employee benefits and other operating expenses </font><font style='font-family:Times New Roman;font-size:10pt;' >include</font><font style='font-family:Times New Roman;font-size:10pt;' > expenses such as professional services, occupancy and equipment and communications incurred directly within each segment. In addition, expenses related to the Company&#8217;s support services, such as te</font><font style='font-family:Times New Roman;font-size:10pt;' >chnology costs, are allocated to each segment </font><font style='font-family:Times New Roman;font-size:10pt;' >primarily </font><font style='font-family:Times New Roman;font-size:10pt;' >based on support service activities directly attributable to the segment. Other overhead expenses, such as staff group support functions, are allocated from Corporate&#160;&amp; Other to the other segments bas</font><font style='font-family:Times New Roman;font-size:10pt;' >ed on </font><font style='font-family:Times New Roman;font-size:10pt;' >a mix of </font><font style='font-family:Times New Roman;font-size:10pt;' >each segment&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >direct consumption of services and </font><font style='font-family:Times New Roman;font-size:10pt;' >relative level of pretax income. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Capital </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Each business segment is allocated capital based on established business model operating requirements, risk measures and regulatory capital requirem</font><font style='font-family:Times New Roman;font-size:10pt;' >ents. Business model operating requirements include capital needed to support operations and specific balance sheet items. The risk measures include considerations for credit, market and operational risk. </font></p><p style='text-align:justify;margin-top:9.75pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Income Taxes </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >An income tax provision (benefit) is allocated to each business segment based on the effective tax rates applicable to various businesses that comprise the segment.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents certain selected financial information as of </font><font style='font-family:Times New Roman;font-size:10pt;' >or for the years ended </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate &amp;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except where indicated)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >USCS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ICS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GCS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNMS</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Consolidated</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 12,732 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,737 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,173 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,426 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 752 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 28,820 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,786 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,085 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 52 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 241 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7,179 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 604 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 330 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 240 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (269)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 802 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,707 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 17,914 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,492 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,948 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,747 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 191 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 34,292 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total provision</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,396 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 370 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 180 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 93 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,044 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,100 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 449 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,408 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,620 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1,586)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 8,991 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,900 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 38 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 865 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 960 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (657)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,106 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,200 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 411 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,543 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,660 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (929)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,885 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total equity</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >10.4</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3.0</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3.8</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.5</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 20.7 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 12,123 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,644 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,085 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,229 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 846 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 27,927 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,565 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,118 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 13 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 32 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 277 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 7,005 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 693 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 361 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 245 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (252)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 911 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,958 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 16,995 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,401 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,853 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,513 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 212 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 32,974 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total provision</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,250 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 388 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 129 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 67 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,832 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,994 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 643 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,244 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,469 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1,462)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 7,888 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,801 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 12 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 384 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 894 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (562)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 2,529 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3,193 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 631 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 860 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,575 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (900)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,359 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total equity</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >9.3</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.4</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 19.5 </font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:40.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11,469</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,561</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,995</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,005</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 897 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >26,927</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,342</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,147</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >23</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >331</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,854</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >765</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >402</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >257</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (243)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,045 </font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,226</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >16,046</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,306</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,749</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,271</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >183</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31,555</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total provision</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,253</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >279</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >106</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >73</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,712</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,069</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >659</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >960</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,219</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1,456)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,451</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,477 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 25 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >316</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >776</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (625)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,969</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,592</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >634</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >644</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,443</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (831)</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,482</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:171pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total equity</font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:40.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8.7</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 18.9 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Corporate&#160;&amp; Other includes adjustments and eliminations for intersegment activity. </font></p><p style='text-align:justify;line-height:12pt;' ></p></div> 12732000000 4737000000 5173000000 5426000000 752000000 5786000000 1085000000 15000000 52000000 241000000 604000000 330000000 240000000 -269000000 802000000 17914000000 5492000000 4948000000 5747000000 191000000 1396000000 370000000 180000000 93000000 5000000 5100000000 449000000 2408000000 2620000000 -1586000000 1900000000 38000000 865000000 960000000 -657000000 3200000000 411000000 1543000000 1660000000 -929000000 10400000000 3000000000 3800000000 2000000000 1500000000 12123000000 5565000000 693000000 16995000000 1250000000 4994000000 1801000000 3193000000 9300000000 11469000000 5342000000 765000000 16046000000 1253000000 4069000000 1477000000 2592000000 8700000000 1118000000 4644000000 361000000 5401000000 388000000 643000000 12000000 631000000 3100000000 4561000000 1147000000 402000000 5306000000 279000000 659000000 25000000 634000000 2900000000 5085000000 13000000 245000000 4853000000 129000000 1244000000 384000000 860000000 3700000000 4995000000 11000000 257000000 4749000000 106000000 960000000 316000000 644000000 3600000000 5229000000 5005000000 23000000 32000000 -243000000 -252000000 5513000000 5271000000 67000000 73000000 2219000000 2469000000 776000000 894000000 1575000000 1443000000 2000000000 2000000000 846000000 897000000 277000000 331000000 911000000 1045000000 183000000 212000000 1000000 -2000000 -1456000000 -1462000000 -625000000 -562000000 -900000000 -831000000 1700000000 1400000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents the Company&#8217;s total revenues net of interest expense and pretax income</font><font style='font-family:Times New Roman;font-size:10pt;' > (loss) from continuing operations</font><font style='font-family:Times New Roman;font-size:10pt;' > i</font><font style='font-family:Times New Roman;font-size:10pt;' >n different geographic regions:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:18pt;' ><td colspan='2' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S.</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >EMEA</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >JAPA</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >LACC</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td colspan='2' rowspan='1' style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:53.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other Unallocated</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td colspan='2' rowspan='1' style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Consolidated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:189pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 24,855 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 3,767 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,934 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,888 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (152)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 34,292 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,869 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 525 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 463 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 683 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,549)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,991 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:189pt;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 23,745 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3,700 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,952 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,900 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (323)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >32,974</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 7,679 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 524 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 488 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 701 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,504)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >7,888</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:189pt;text-align:left;border-color:Black;min-width:189pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 22,631 </font></td><td style='width:5.25pt;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3,594 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 3,106 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,774 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (550)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >31,555</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:181.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6,468 </font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:5.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 505 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 426 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 605 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,553)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6,451</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >EMEA represents Europe, </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;' >Middle East and Africa</font><font style='font-family:Times New Roman;font-size:7.5pt;' >;</font><font style='font-family:Times New Roman;font-size:7.5pt;' > JAPA represents Japan, Asia/Pacific and Australia</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 LACC represents Latin America, Canada and </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;' >Caribbean.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Other</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >U</font><font style='font-family:Times New Roman;font-size:7.5pt;' >nallocated </font><font style='font-family:Times New Roman;font-size:7.5pt;' >includes net costs</font><font style='font-family:Times New Roman;font-size:7.5pt;' > which are not directly allocable</font><font style='font-family:Times New Roman;font-size:7.5pt;' > to specific geographic regions, including</font><font style='font-family:Times New Roman;font-size:7.5pt;' > costs related to the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >net </font><font style='font-family:Times New Roman;font-size:7.5pt;' >negative </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;' >spread on excess liquidity </font><font style='font-family:Times New Roman;font-size:7.5pt;' >funding </font><font style='font-family:Times New Roman;font-size:7.5pt;' >and executive office operations</font><font style='font-family:Times New Roman;font-size:7.5pt;' > expenses</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The data in the above table is, in part, based upon internal allocations, which necessarily involve management&#8217;s judgment</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li></ul></div> 24855000000 22631000000 23745000000 6468000000 8869000000 7679000000 3767000000 3594000000 3700000000 505000000 525000000 524000000 2934000000 2952000000 3106000000 488000000 426000000 463000000 2900000000 2888000000 2774000000 701000000 605000000 683000000 -550000000 -323000000 -152000000 -1504000000 -1553000000 -1549000000 <div><p style='text-align:justify;margin-top:2pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >P</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >ARENT COMPANY </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >&#8211; </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >CONDENSED STATEMENTS OF INCOME</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Years Ended December&#160;31 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on sale of securities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 99 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 135 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 121 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 270 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (12)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total non-interest revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 369 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 140 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 109 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 141 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 134 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 137 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (543)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (583)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (609)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (33)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (309)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (363)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Expenses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Salaries and employee benefits</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 275 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 206 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 165 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 357 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 261 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 214 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 632 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 467 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 379 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax loss</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (665)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (776)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (742)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax benefit</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (249)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (297)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (258)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net loss before equity in net income of subsidiaries and affiliates </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (416)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (479)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (484)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity in net income of subsidiaries and affiliates </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,301 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,838 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,966 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,885 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,359 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,482 </font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 26</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Parent C</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >ompany </font></p><p style='text-align:justify;margin-top:2pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >P</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >ARENT COMPANY </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >&#8211; </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >CONDENSED STATEMENTS OF INCOME</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Years Ended December&#160;31 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-interest revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on sale of securities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 99 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 135 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 121 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:315pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:315pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 270 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (12)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total non-interest revenues</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 369 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 140 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 109 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest income</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 141 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 134 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 137 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (543)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (583)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (609)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (33)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (309)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (363)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Expenses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Salaries and employee benefits</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 275 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 206 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 165 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 357 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 261 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 214 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 632 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 467 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 379 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Pretax loss</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (665)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (776)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (742)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Income tax benefit</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (249)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (297)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (258)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net loss before equity in net income of subsidiaries and affiliates </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (416)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (479)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (484)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity in net income of subsidiaries and affiliates </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,301 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,838 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,966 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,885 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5,359 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,482 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >PARENT COMPANY </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >&#8211; </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >CONDENSED BALANCE SHEETS</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >As of December&#160;31</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 8,824 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 6,076 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Investment securities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 123 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Equity in net assets of subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 20,123 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 19,571 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accounts receivable, less reserves</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 134 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 378 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Premises and equipment, less accumulated depreciation: 2014, $106; 2013, $76</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 139 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 136 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans to subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7,809 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5,236 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Due from subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1,477 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 1,126 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 365 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >335</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 38,872 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >32,981</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Liabilities and Shareholders&#8217; Equity</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accounts payable and other liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1,590 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1,386</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Due to subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 964 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >926</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Short-term debt of subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 5,937 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >819</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Long-term debt</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 9,708 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >10,354</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 18,199 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >13,485</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Shareholders&#8217; equity</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Preferred Shares </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Common shares</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 205 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >213</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Additional paid-in capital</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 12,874 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >12,202</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Retained earnings</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 9,513 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >8,507</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accumulated other comprehensive loss</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (1,919)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (1,426)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total shareholders&#8217; equity</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 20,673 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >19,496</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total liabilities and shareholders&#8217; equity</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 38,872 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >32,981</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >PARENT COMPANY </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >&#8211; </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >CONDENSED STATEMENTS OF CASH FLOWS </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Years Ended December&#160;31 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Cash Flows from Operating Activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,885 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,359 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,482 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Adjustments to reconcile net income to cash provided by operating activities:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity in net income of subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (6,301)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(5,838)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(4,966)</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Dividends received from subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,455 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,768 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,355 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on sale of securities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (99)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(135)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (121)</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other operating activities, primarily with subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 173 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >324 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >196 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Premium paid on debt exchange</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (541)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net cash provided by operating activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,113 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,478 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,405 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Cash Flows from Investing Activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Sales of available-for-sale investment securities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 111 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >157 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >118 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Purchase of premises and equipment</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (39)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(39)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(38)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans to subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2,574)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,498 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(1,601)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Investments in subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (11)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net cash (used in) provided by investing activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2,502)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,616 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(1,532)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Cash Flows from Financing Activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(Principal payments on) / issuance of long-term debt</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (655)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >843 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Short-term debt of subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,118 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(1,497)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,421 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Issuance of American Express preferred shares </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 742 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Issuance of American Express common shares and other</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 362 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >721 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >443 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Repurchase of American Express common shares</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (4,389)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(3,943)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(3,952)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Dividends paid</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1,041)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(939)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(902)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net cash provided by (used in) financing activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 137 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(4,815)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(2,990)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net increase (decrease) in cash and cash equivalents</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,748 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,279 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(2,117)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cash and cash equivalents at beginning of year</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6,076 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,797 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,914 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cash and cash equivalents at end of year</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8,824 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,076 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,797 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:#000000;min-width:7.5pt;' ></td><td style='width:357pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:#000000;min-width:357pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:#000000;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Supplemental cash flow information</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-cash financing activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charge related to impact of debt exchange on long-term debt</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 439 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on business travel joint venture transaction</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 630 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr></table></div> 141000000 543000000 275000000 357000000 -632000000 -665000000 249000000 -416000000 6301000000 5885000000 134000000 583000000 206000000 261000000 -467000000 -776000000 297000000 -479000000 5838000000 5359000000 137000000 609000000 165000000 214000000 -379000000 -742000000 258000000 -484000000 4966000000 4482000000 309000000 33000000 363000000 99000000 270000000 -369000000 -140000000 5000000 135000000 121000000 -109000000 -12000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >PARENT COMPANY </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >&#8211; </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >CONDENSED BALANCE SHEETS</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >As of December&#160;31</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 8,824 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 6,076 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Investment securities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 123 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Equity in net assets of subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 20,123 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 19,571 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accounts receivable, less reserves</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 134 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 378 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Premises and equipment, less accumulated depreciation: 2014, $106; 2013, $76</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 139 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 136 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans to subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7,809 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5,236 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Due from subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1,477 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 1,126 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 365 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >335</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total assets</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 38,872 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >32,981</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Liabilities and Shareholders&#8217; Equity</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accounts payable and other liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1,590 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1,386</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Due to subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 964 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >926</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Short-term debt of subsidiaries and affiliates</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 5,937 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >819</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Long-term debt</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 9,708 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >10,354</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total liabilities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 18,199 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >13,485</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Shareholders&#8217; equity</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Preferred Shares </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Common shares</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 205 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >213</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Additional paid-in capital</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 12,874 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >12,202</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Retained earnings</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 9,513 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >8,507</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accumulated other comprehensive loss</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (1,919)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (1,426)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total shareholders&#8217; equity</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 20,673 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >19,496</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total liabilities and shareholders&#8217; equity</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 38,872 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >32,981</font></td></tr></table></div> 8824000000 1000000 134000000 139000000 365000000 1590000000 964000000 5937000000 9708000000 18199000000 205000000 12874000000 9513000000 -1919000000 20673000000 38872000000 106000000 6076000000 123000000 378000000 136000000 335000000 1386000000 926000000 819000000 10354000000 13485000000 213000000 12202000000 8507000000 -1426000000 19496000000 76000000 32981000000 -20123000000 1477000000 7809000000 5236000000 1126000000 -19571000000 32981000000 38872000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >PARENT COMPANY </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >&#8211; </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >CONDENSED STATEMENTS OF CASH FLOWS </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Years Ended December&#160;31 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Cash Flows from Operating Activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net income</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,885 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,359 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,482 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Adjustments to reconcile net income to cash provided by operating activities:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity in net income of subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (6,301)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(5,838)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(4,966)</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Dividends received from subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,455 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,768 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,355 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on sale of securities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (99)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(135)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (121)</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other operating activities, primarily with subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 173 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >324 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >196 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Premium paid on debt exchange</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (541)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net cash provided by operating activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,113 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,478 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2,405 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Cash Flows from Investing Activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Sales of available-for-sale investment securities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 111 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >157 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >118 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Purchase of premises and equipment</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (39)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(39)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(38)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans to subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2,574)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,498 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(1,601)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Investments in subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (11)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net cash (used in) provided by investing activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (2,502)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,616 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(1,532)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Cash Flows from Financing Activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(Principal payments on) / issuance of long-term debt</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (655)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >843 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Short-term debt of subsidiaries and affiliates</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,118 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(1,497)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,421 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Issuance of American Express preferred shares </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 742 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Issuance of American Express common shares and other</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 362 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >721 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >443 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Repurchase of American Express common shares</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (4,389)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(3,943)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(3,952)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Dividends paid</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1,041)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(939)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(902)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net cash provided by (used in) financing activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 137 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(4,815)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(2,990)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net increase (decrease) in cash and cash equivalents</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 2,748 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,279 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(2,117)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cash and cash equivalents at beginning of year</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6,076 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,797 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,914 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Cash and cash equivalents at end of year</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8,824 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,076 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,797 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:#000000;min-width:7.5pt;' ></td><td style='width:357pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:#000000;min-width:357pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:#000000;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Supplemental cash flow information</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='2' rowspan='1' style='width:364.5pt;text-align:left;border-color:Black;min-width:364.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Non-cash financing activities</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:left;border-color:Black;min-width:38.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charge related to impact of debt exchange on long-term debt</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 439 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:357pt;text-align:left;border-color:Black;min-width:357pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Gain on business travel joint venture transaction</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 630 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:38.25pt;text-align:right;border-color:Black;min-width:38.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr></table></div> -6301000000 -5838000000 -4966000000 -5455000000 -4768000000 -3355000000 173000000 324000000 196000000 111000000 157000000 118000000 -39000000 -39000000 -38000000 -2574000000 1498000000 -1601000000 0 0 11000000 655000000 -843000000 0 -5118000000 1497000000 -1421000000 362000000 721000000 443000000 4389000000 3943000000 3952000000 1041000000 939000000 902000000 4797000000 0 0 541000000 5113000000 4478000000 2405000000 -1532000000 -2502000000 1616000000 1279000000 -4815000000 137000000 2748000000 -2990000000 -2117000000 0 0 11000000 11000000 12000000 12000000 11000000 12000000 13000000 11000000 0 0 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 27</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:4.5pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >QUARTERLY FINANCIAL DATA (UNAUDITED)</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions, except per share amounts)</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:183pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:183pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:183pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:183pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Quarters Ended</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > </font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >12/31</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >9/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >6/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3/31</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12/31</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >9/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >3/31</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 9,107 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,329 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,657 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,199 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 8,547 </font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 8,301 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 8,245 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 7,881 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,225 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,246 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,312 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,208 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,980 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,004 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,995 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,909 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net income</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,447 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,477 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,529 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,432 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,308 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,366 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,405 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,280 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Earnings Per Common Share &#8212; Basic:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:147.75pt;text-align:left;border-color:Black;min-width:147.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net income attributable to common</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >shareholders</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.40 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.41 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.44 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.34 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.22 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.26 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.28 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.15 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Earnings Per Common Share &#8212; Diluted:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:147.75pt;text-align:left;border-color:Black;min-width:147.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net income attributable to common</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >shareholders</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.39 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.40 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.43 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.33 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.21 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.25 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.27 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.15 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Cash dividends declared per common share</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.26 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.26 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.26 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.20 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Common share price:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >High</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94.89 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 96.24 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 96.04 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94.35 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 90.79 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 78.63 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 78.61 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 67.48 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Low</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 78.41 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 85.75 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 83.99 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 82.63 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 72.08 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 71.47 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63.43 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 58.31 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Represents net income, less earnings allocated to participating share awards of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended December 31,</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended September 30,</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </font><font style='font-family:Times New Roman;font-size:7.5pt;' >June 30,</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </font><font style='font-family:Times New Roman;font-size:7.5pt;' >March 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </font><font style='font-family:Times New Roman;font-size:7.5pt;' >September 30, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >13</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;' >for the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >quarter ended June 30, </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;' > 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;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >quarter ended March 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></p><p style='text-align:justify;line-height:12pt;' ></p></div> 9107000000 2225000000 1447000000 1477000000 2246000000 8329000000 8657000000 2312000000 1529000000 1432000000 2208000000 8199000000 8547000000 1980000000 1308000000 2004000000 8301000000 8245000000 1995000000 1405000000 1280000000 1909000000 7881000000 0.2 0.23 0.23 0.23 0.23 0.26 0.26 0.26 94.89 78.41 85.75 96.24 96.04 83.99 82.63 94.35 90.79 72.08 71.47 78.63 78.61 63.43 58.31 67.48 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions, except per share amounts)</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:183pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:183pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:183pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:183pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Quarters Ended</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > </font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >12/31</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >9/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >6/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3/31</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12/31</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >9/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >6/30</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >3/31</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 9,107 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,329 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,657 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 8,199 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 8,547 </font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 8,301 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 8,245 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 7,881 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pretax income</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,225 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,246 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,312 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2,208 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,980 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 2,004 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,995 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,909 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net income</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,447 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,477 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,529 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1,432 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,308 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,366 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,405 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,280 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Earnings Per Common Share &#8212; Basic:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:147.75pt;text-align:left;border-color:Black;min-width:147.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net income attributable to common</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >shareholders</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.40 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.41 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.44 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.34 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.22 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.26 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.28 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.15 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Earnings Per Common Share &#8212; Diluted:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:147.75pt;text-align:left;border-color:Black;min-width:147.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net income attributable to common</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >shareholders</font><sup><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.39 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.40 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.43 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1.33 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.21 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.25 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.27 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1.15 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Cash dividends declared per common share</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.26 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.26 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.26 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.23 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 0.20 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:155.25pt;text-align:left;border-color:Black;min-width:155.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Common share price:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >High</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94.89 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 96.24 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 96.04 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94.35 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 90.79 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 78.63 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 78.61 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 67.48 </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:140.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:140.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Low</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 78.41 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 85.75 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 83.99 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 82.63 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 72.08 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 71.47 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63.43 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 58.31 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Represents net income, less earnings allocated to participating share awards of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended December 31,</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended September 30,</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </font><font style='font-family:Times New Roman;font-size:7.5pt;' >June 30,</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </font><font style='font-family:Times New Roman;font-size:7.5pt;' >March 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >12</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the quarter ended </font><font style='font-family:Times New Roman;font-size:7.5pt;' >September 30, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >13</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;' >for the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >quarter ended June 30, </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;' > 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;' >11</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million for the </font><font style='font-family:Times New Roman;font-size:7.5pt;' >quarter ended March 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></p><p style='text-align:justify;line-height:12pt;' ></p></div> 21000000000 1000000000 0 48000000000 48000000000 0 48000000000 0 70000000000 71000000000 0 0 71000000000 61000000000 61000000000 0 61000000000 0 0 8000000000 0 58000000000 60000000000 0 60000000000 0 19000000000 19000000000 17000000000 2000000000 0 48000000000 48000000000 0 48000000000 0 67000000000 67000000000 0 0 67000000000 60000000000 60000000000 0 60000000000 0 7000000000 8000000000 0 8000000000 0 55000000000 58000000000 0 58000000000 0 198000000 73000000 -58000000 18794000000 232000000 12217000000 -876000000 7221000000 182000000 74000000 233000000 3004000000 0 0 0 3000000 66000000 264000000 8000000 12000000 6000000 34000000 0 0 0 2000000 0 134000000 307000000 7000000 0 45000000 561000000 381000000 241000000 3198000000 560000000 374000000 225000000 3071000000 0.025 0.0207 0.0671 0.0681 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 2</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Acquisitions</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' > and</font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' > </font><font style='font-family:Times New Roman;font-size:13.5pt;color:#52A2DD;' >Divestitures</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Global Business Travel </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >On June 30, 2014, the Company completed a transaction to establish a non-consolidated joint venture, GBT JV, comprising the former Global Business Travel (</font><font style='font-family:Times New Roman;font-size:10pt;' >GBT) operations of the Company </font><font style='font-family:Times New Roman;font-size:10pt;' >and an external cash investment.</font><font style='font-family:Times New Roman;font-size:10pt;' > Historically, the Company reported the GBT operations within the Global Commercial Services (GCS) segment.</font><font style='font-family:Times New Roman;font-size:10pt;' > The Company has retained a </font><font style='font-family:Times New Roman;font-size:10pt;' >50</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >percent ownership interest in the GBT JV with an estimated fair value </font><font style='font-family:Times New Roman;font-size:10pt;' >of that interest of approximately </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >900</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >million, which is accounted for as an equity method investment effective </font><font style='font-family:Times New Roman;font-size:10pt;' >June 30, 2014 and reported in o</font><font style='font-family:Times New Roman;font-size:10pt;' >ther assets within the Consolidated Balance Sheet.&#160;In exchange for </font><font style='font-family:Times New Roman;font-size:10pt;' >a</font><font style='font-family:Times New Roman;font-size:10pt;' > cash contribution of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >900</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >million paid into the GBT JV, an unrelated investor group holds the </font><font style='font-family:Times New Roman;font-size:10pt;' >remaining</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >50</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >percent ownership interest.&#160;The investor group&#8217;s cash contribution provides the primary basis for the Company&#8217;s determination of the estimated fair value</font><font style='font-family:Times New Roman;font-size:10pt;' > of its </font><font style='font-family:Times New Roman;font-size:10pt;' >50</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >percent ownership interest</font><font style='font-family:Times New Roman;font-size:10pt;' > at June 30, 2014</font><font style='font-family:Times New Roman;font-size:10pt;' >.&#160; </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >As a result of th</font><font style='font-family:Times New Roman;font-size:10pt;' >is</font><font style='font-family:Times New Roman;font-size:10pt;' > transaction, the Company deconsolidated the GBT net assets </font><font style='font-family:Times New Roman;font-size:10pt;' >and for the year ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >recognized a net gain of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >630</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;' >($</font><font style='font-family:Times New Roman;font-size:10pt;' >412</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >million after</font><font style='font-family:Times New Roman;font-size:10pt;' >-</font><font style='font-family:Times New Roman;font-size:10pt;' >tax), as a reduction to other expense</font><font style='font-family:Times New Roman;font-size:10pt;' >. The Company recognized</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >626</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;' >409</font><font style='font-family:Times New Roman;font-size:10pt;' > million after-tax) in the second quarter and subsequently recognized the remaining closing-related amounts in the third and fourth q</font><font style='font-family:Times New Roman;font-size:10pt;' >uarters. Prior to the deconsolid</font><font style='font-family:Times New Roman;font-size:10pt;' >ation, the carrying amount of GBT&#8217;s assets and liabilities were not material to the Company&#8217;s financial position.&#160; </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The GBT JV operates under the &#8220;American Express Global Business Travel&#8221; brand, pursuant to a trademark licen</font><font style='font-family:Times New Roman;font-size:10pt;' >se agreement provided by the Company.&#160;The Company has also entered into a transition services agreement and certain other operating agreements with the GBT JV, pursuant to which the Company and the GBT JV provide one another with certain services and that </font><font style='font-family:Times New Roman;font-size:10pt;' >result in related-party receivables and payables. There was no material impact to the Company during the </font><font style='font-family:Times New Roman;font-size:10pt;' >year ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > related to the GBT JV&#8217;s results of operations or the </font><font style='font-family:Times New Roman;font-size:10pt;' >Company&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;' > agreements</font><font style='font-family:Times New Roman;font-size:10pt;' > with the GBT JV</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Loyalty Partner</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >In conjun</font><font style='font-family:Times New Roman;font-size:10pt;' >ction with the March 1, 2011 acquisition of a controlling interest in Loyalty Partner, the Company had an option to acquire the remaining non-controlling equity interest (NCI) in the future. In November 2013, the Company entered into an agreement to exting</font><font style='font-family:Times New Roman;font-size:10pt;' >uish a portion of the NCI in its Loyalty Partner subsidiary, in exchange for a cash payment of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >132</font><font style='font-family:Times New Roman;font-size:10pt;' > million and to convert the remaining NCI to an option that is accounted for as a long-term liability with an initial value of </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >121</font><font style='font-family:Times New Roman;font-size:10pt;' > million. The Company reduced equity by </font><font style='font-family:Times New Roman;font-size:10pt;' >$</font><font style='font-family:Times New Roman;font-size:10pt;' >107</font><font style='font-family:Times New Roman;font-size:10pt;' > million in connection with this agreement.</font></p><p style='text-align:left;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table presents the restricted cash held by the Charge Trust and the Lending Trust as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, included</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > in Other Assets on the Company&#8217;s Consolidated Balance Sheets: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Charge Trust</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:402pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Lending Trust</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >62</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56</font></td></tr><tr style='height:12.75pt;' ><td style='width:402pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:402pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58</font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents changes in unrecognized tax benefits:</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance, January 1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1,044 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,230 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,223 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Increases:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Current year tax positions</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 124 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 51 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax positions related to prior years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 111 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 176 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 64 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Decreases:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tax positions related to prior years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (181)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (371)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (44)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Settlements with tax authorities</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (67)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (94)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (25)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Lapse of statute of limitations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (21)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (37)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Effects of foreign currency translations</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:337.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:337.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balance, December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 909 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,044 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,230 </font></td></tr></table></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Principles of Consolidation </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Consolidated Financial Statements of the Company are prepared in conformity </font><font style='font-family:Times New Roman;font-size:10pt;' >with accounting principles generally accepted in the United States of America (GAAP). Significant intercompany transactions are eliminated.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company consolidates </font><font style='font-family:Times New Roman;font-size:10pt;' >entities in which </font><font style='font-family:Times New Roman;font-size:10pt;' >it </font><font style='font-family:Times New Roman;font-size:10pt;' >holds a </font><font style='font-family:Times New Roman;font-size:10pt;' >&#8220;</font><font style='font-family:Times New Roman;font-size:10pt;' >controlling financial interest</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;' >For voting interest entities, the Company is considered to hold a controlling financial interest when it </font><font style='font-family:Times New Roman;font-size:10pt;' >is abl</font><font style='font-family:Times New Roman;font-size:10pt;' >e to exercise control over the investees</font><font style='font-family:Times New Roman;font-size:10pt;' >&#8217; operating and f</font><font style='font-family:Times New Roman;font-size:10pt;' >inancial decisions.</font><font style='font-family:Times New Roman;font-size:10pt;' > For variable interest entities (VIEs), it is considered to hold a controlling financial interest when it is determined to be the primary beneficiary. A primary beneficiary is the party that has both: (1) the power to direct the activiti</font><font style='font-family:Times New Roman;font-size:10pt;' >es that most significantly impact that entity&#8217;s economic performance, and (2) the obligation to absorb losses of, or the right to receive benefits from, the VIE that could potentially be significant to the VIE. The determination of whether an entity is a V</font><font style='font-family:Times New Roman;font-size:10pt;' >IE is based on the amount and characteristics of the entity&#8217;s equity.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' > Entities in which the Company&#8217;s voting interest</font><font style='font-family:Times New Roman;font-size:10pt;' > in common equity</font><font style='font-family:Times New Roman;font-size:10pt;' > does not provide </font><font style='font-family:Times New Roman;font-size:10pt;' >it </font><font style='font-family:Times New Roman;font-size:10pt;' >with control, but allows the Company to exert significant influence over the </font><font style='font-family:Times New Roman;font-size:10pt;' >operating and </font><font style='font-family:Times New Roman;font-size:10pt;' >financial</font><font style='font-family:Times New Roman;font-size:10pt;' > decisions</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > are accounted for under the equity method. All other investments in equity securities, to the extent that they are not considered marketable securities, are accounted for under the cost method.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Foreign Currency </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Assets and liabilities denomin</font><font style='font-family:Times New Roman;font-size:10pt;' >ated in foreign currencies are translated into U.S. dollars based upon exchange rates prevailing at the end of each year. The resulting translation adjustments, along with any related qualifying hedge and tax effects, are included in accumulated other comp</font><font style='font-family:Times New Roman;font-size:10pt;' >rehensive income</font><font style='font-family:Times New Roman;font-size:10pt;' > (loss) (AOCI)</font><font style='font-family:Times New Roman;font-size:10pt;' >, a component of shareholders&#8217; equity. Translation adjustments, including qualifying hedge and tax effects, are reclassified to earnings upon the sale or substantial liquidation of investments in foreign operations. Revenues a</font><font style='font-family:Times New Roman;font-size:10pt;' >nd expenses are tra</font><font style='font-family:Times New Roman;font-size:10pt;' >nslated at the average</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >month-end </font><font style='font-family:Times New Roman;font-size:10pt;' >exchange rates during the year. 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.S.</font><font style='font-family:Times New Roman;font-size:10pt;' > where the functional currency is the U.S. d</font><font style='font-family:Times New Roman;font-size:10pt;' >ollar, are reported net in the Company&#8217;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. Net foreign currency transaction gains amounted to app</font><font style='font-family:Times New Roman;font-size:10pt;' >roximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >44</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;million, $</font><font style='font-family:Times New Roman;font-size:10pt;' >108</font><font style='font-family:Times New Roman;font-size:10pt;' > million and $</font><font style='font-family:Times New Roman;font-size:10pt;' >120</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;' >in </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Amounts Based on Estimates and Assumptions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Accounting estimates are an integral part of the Consolidated Financial Statements. These estimates are based, in part, on management&#8217;s assumptions concerning future events. Among the more significant assumptions are those that relate to reserves for </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;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >M</font><font style='font-family:Times New Roman;font-size:10pt;' >ember losses </font><font style='font-family:Times New Roman;font-size:10pt;' >on </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, the proprietary point liability</font><font style='font-family:Times New Roman;font-size:10pt;' > for Membership Rewards cost</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;' >fair value measurement, </font><font style='font-family:Times New Roman;font-size:10pt;' >goodwill and income taxes. These accounting estimates reflect the best judgment of management, but actual results could differ.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Total Revenues Net of Interest Expense </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Discount Revenue </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Discount revenue represents</font><font style='font-family:Times New Roman;font-size:10pt;' > the amount earned by the Company on transactions occurring at merchants </font><font style='font-family:Times New Roman;font-size:10pt;' >with which the Company, or </font><font style='font-family:Times New Roman;font-size:10pt;' >a</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >Global Network Services (GNS)</font><font style='font-family:Times New Roman;font-size:10pt;' > partner, has entered into card acceptance agreements for facilitating transactions between the merchants and the Company&#8217;s </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. The discount </font><font style='font-family:Times New Roman;font-size:10pt;' >fee </font><font style='font-family:Times New Roman;font-size:10pt;' >generally is deducted from the payment to the merchant and recorded as discount revenue at the time t</font><font style='font-family:Times New Roman;font-size:10pt;' >he charge is </font><font style='font-family:Times New Roman;font-size:10pt;' >captured</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Net Card Fees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Card fees</font><font style='font-family:Times New Roman;font-size:10pt;' >, net of direct card acquisition costs and a reserve for projected membership cancellations,</font><font style='font-family:Times New Roman;font-size:10pt;' > are deferred and recognized on a straight-line basis over the </font><font style='font-family:Times New Roman;font-size:10pt;' >12-month card membership period as</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >Net Card F</font><font style='font-family:Times New Roman;font-size:10pt;' >ees in </font><font style='font-family:Times New Roman;font-size:10pt;' >the Conso</font><font style='font-family:Times New Roman;font-size:10pt;' >lidated Statements of Income. T</font><font style='font-family:Times New Roman;font-size:10pt;' >he unamortized net card fee balance is reported </font><font style='font-family:Times New Roman;font-size:10pt;' >net in Other L</font><font style='font-family:Times New Roman;font-size:10pt;' >iabilities on the Consolidated </font><font style='font-family:Times New Roman;font-size:10pt;' >Balance Sheets (refer to Note 10</font><font style='font-family:Times New Roman;font-size:10pt;' >).</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Travel Commissions and Fees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company earns travel commissions and fees by charging </font><font style='font-family:Times New Roman;font-size:10pt;' >clients transaction or management fees for selling and arranging travel and </font><font style='font-family:Times New Roman;font-size:10pt;' >for </font><font style='font-family:Times New Roman;font-size:10pt;' >travel management services. Client transaction fee revenue is recognized at the time the client books the travel arrangements. Travel management services revenue is recognized </font><font style='font-family:Times New Roman;font-size:10pt;' >over the contractual term of the agreement. The Comp</font><font style='font-family:Times New Roman;font-size:10pt;' >any&#8217;s travel suppliers (e.g., airlines, hotels and</font><font style='font-family:Times New Roman;font-size:10pt;' > car rental companies) pay commissions and fees on tickets issued, sales and other services based on contractual agreements. Commissions and fees from tra</font><font style='font-family:Times New Roman;font-size:10pt;' >vel suppliers are generally recognized at the time a ticket is purchased or over the term of the contract. Commissions and fees that are based on</font><font style='font-family:Times New Roman;font-size:10pt;' > services rendered (e.g.</font><font style='font-family:Times New Roman;font-size:10pt;' >, hotel</font><font style='font-family:Times New Roman;font-size:10pt;' > stays</font><font style='font-family:Times New Roman;font-size:10pt;' > and car rentals) are recognized</font><font style='font-family:Times New Roman;font-size:10pt;' > based on usage</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Other Commissions and F</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >ees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Other commissions and fees include foreign currency conversion fees, </font><font style='font-family:Times New Roman;font-size:10pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:10pt;' >delinquency fe</font><font style='font-family:Times New Roman;font-size:10pt;' >es, service fees and other card-</font><font style='font-family:Times New Roman;font-size:10pt;' >related assessments, which are recognized primarily in the period in which they are charged to the </font><font style='font-family:Times New Roman;font-size:10pt;' >Card Member (refer to Not</font><font style='font-family:Times New Roman;font-size:10pt;' >e 19)</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >In addition, service fees are also earned from other customers (e.g., merchants) for a </font><font style='font-family:Times New Roman;font-size:10pt;' >variety of services and are recognized when the service is performed, which is generally in the period the fee is charged. A</font><font style='font-family:Times New Roman;font-size:10pt;' >lso included are fees related to the </font><font style='font-family:Times New Roman;font-size:10pt;' >Company&#8217;s</font><font style='font-family:Times New Roman;font-size:10pt;' > Membership Rewards program, which are deferred and recognized over the period covered by the fee. The unamortized Membership Rewards fee balance is included in </font><font style='font-family:Times New Roman;font-size:10pt;' >Other L</font><font style='font-family:Times New Roman;font-size:10pt;' >iabilities on the Consolidated Bal</font><font style='font-family:Times New Roman;font-size:10pt;' >ance Sheets (refer to Note 10).</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Contra-reven</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >ue </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company regularly makes payments through contractual </font><font style='font-family:Times New Roman;font-size:10pt;' >arrangements with merchants, corporate payments c</font><font style='font-family:Times New Roman;font-size:10pt;' >lients</font><font style='font-family:Times New Roman;font-size:10pt;' >, Card Members</font><font style='font-family:Times New Roman;font-size:10pt;' > and certain other customers</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font><font style='font-family:Times New Roman;font-size:10pt;' >Payments to </font><font style='font-family:Times New Roman;font-size:10pt;' >such </font><font style='font-family:Times New Roman;font-size:10pt;' >customers</font><font style='font-family:Times New Roman;font-size:10pt;' >, including cash rebates paid to Card Members,</font><font style='font-family:Times New Roman;font-size:10pt;' > are generally classifie</font><font style='font-family:Times New Roman;font-size:10pt;' >d as contra-revenue unless a specifically identifiable benefit (e.g.</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > goods or services) is received by the Company </font><font style='font-family:Times New Roman;font-size:10pt;' >or its Card Members </font><font style='font-family:Times New Roman;font-size:10pt;' >in consideration for that payment</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > and the fair value of such benefit is determinable and measurable. If no such benefit</font><font style='font-family:Times New Roman;font-size:10pt;' > is identified, then the entire payment </font><font style='font-family:Times New Roman;font-size:10pt;' >is classified as contra-revenue</font><font style='font-family:Times New Roman;font-size:10pt;' > and included in the Consolidated Statements of Income in the </font><font style='font-family:Times New Roman;font-size:10pt;' >revenue </font><font style='font-family:Times New Roman;font-size:10pt;' >line item where the related transaction</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > are recorded (e.g.</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > discount revenue, travel commissions and fees and othe</font><font style='font-family:Times New Roman;font-size:10pt;' >r commissions and fees). If such a benefit is identified, then the payment is classified as expense up to the estimated fair value of the benefit. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Interest Income </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Interest on Card Member loans is assessed using the average daily balance method. Unless t</font><font style='font-family:Times New Roman;font-size:10pt;' >he loan is classified as non-accrual, interest is recognized based upon the outstanding balance, in accordance with the terms of the applicable account agreement, until the outstanding balance is paid or written off. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest and dividends on investment s</font><font style='font-family:Times New Roman;font-size:10pt;' >ecurities primarily relates to the Company&#8217;s performing fixed-income securities. Interest income is accrued as earned using the effective interest method, which adjusts the yield for security premiums and discounts, fees and other payments, so that a const</font><font style='font-family:Times New Roman;font-size:10pt;' >ant rate of return is recognized on the investment security&#8217;s outstanding balance. Amounts are recognized until such time as a security is in default or when it is likely that future interest payments will not be received as scheduled. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Interest on deposit</font><font style='font-family:Times New Roman;font-size:10pt;' >s with banks and other is recognized as earned, and primarily relates to the placement of cash in interest-bearing time deposits, overnight sweep accounts, and other interest-bearing demand and call accounts. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Interest Expense </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Interest expense includes </font><font style='font-family:Times New Roman;font-size:10pt;' >interest incurred primarily to fund Card Member loans, charge card product receivables, general corporate purposes, and liquidity needs, and is recognized as incurred. Interest expense is divided principally into two categories: (</font><font style='font-family:Times New Roman;font-size:10pt;' >i</font><font style='font-family:Times New Roman;font-size:10pt;' >)&#160;deposits, which primari</font><font style='font-family:Times New Roman;font-size:10pt;' >ly relates to interest expense on deposits taken from customers and institutions, and (ii)&#160;long-term debt and other, which primarily relates to interest expense on the Company&#8217;s long-term financing and short-term borrowings, and the realized impact of deri</font><font style='font-family:Times New Roman;font-size:10pt;' >vatives hedging interest rate risk.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> 10-K FY 0000004962 Yes No Yes Large Accelerated Filer 4000000 4000000 4000000 4000000 4000000 19000000 124000000 176000000 -371000000 -94000000 -21000000 0 4000000 111000000 -181000000 -67000000 -1000000 -1000000 51000000 64000000 -44000000 -25000000 -37000000 -2000000 909000000 1044000000 1230000000 6914000000 4474000000 3000000 338000000 79000000 224000000 296000000 149000000 51000000 254000000 281000000 272000000 24000000 93000000 59000000 767000000 661000000 290000000 310000000 383000000 369000000 278000000 278000000 -640000000 -669000000 -683000000 2000000 -4000000 -15000000 -8000000 -17000000 9000000 -59000000 -4000000 13 5 94000000 99000000 193000000 18 -14000000 -15000000 -29000000 4381000000 3493000000 3000000 350000000 40000000 136000000 359000000 4230000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >3</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Accounts Receivable and Loans</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company&#8217;s charge and lending payment card products result in the generation of Card Member receivables and Card Member loans</font><font style='font-family:Times New Roman;font-size:10pt;' >, respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > and Other Receivables </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;' > receivables</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > represent</font><font style='font-family:Times New Roman;font-size:10pt;' >ing amounts due on charge card products, </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-sa</font><font style='font-family:Times New Roman;font-size:10pt;' >le transaction with a merchant. Each charge card transaction is authorized based on its likely economics, a Card Member&#8217;s most recent credit </font><font style='font-family:Times New Roman;font-size:10pt;' >information and spend patterns. Additionally, global spend limits </font><font style='font-family:Times New Roman;font-size:10pt;' >are establish</font><font style='font-family:Times New Roman;font-size:10pt;' >ed to limit the maximum exposure for the Company.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:13.5pt;' >Charge Card Members generally must pay the full amount billed each month. Card Member</font><font style='font-family:Times New Roman;font-size:10pt;' > receivable balances are presented on the Consolidated Balance Sheets net of reserves for losse</font><font style='font-family:Times New Roman;font-size:10pt;' >s (refer to Note 4), and include</font><font style='font-family:Times New Roman;font-size:10pt;' > principal and any related accrued fees.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Accounts receivable by segment 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;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' > consisted of:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >22,468</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >21,842</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >7,653</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7,771</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Commercial Services</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New 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Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >147</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >159</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member receivables</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >44,851</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >44,163</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >465</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >386</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member receivables, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >44,386</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >43,777</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2,614</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3,408</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.0</font><font style='font-family:Times New Roman;font-size:8pt;' > billion </font><font style='font-family:Times New Roman;font-size:8pt;' >and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.3</font><font style='font-family:Times New Roman;font-size:8pt;' > billion </font><font style='font-family:Times New Roman;font-size:8pt;' >of gross </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > receivables available to settle obligations </font><font style='font-family:Times New Roman;font-size:8pt;' >of a </font><font style='font-family:Times New Roman;font-size:8pt;' >consolidated VIE as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >636</font><font style='font-family:Times New Roman;font-size:8pt;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >836</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >million due from airlines, of which Delta Air Lines (Delta) comprises </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >606</font><font style='font-family:Times New Roman;font-size:8pt;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;' >628</font><font style='font-family:Times New Roman;font-size:8pt;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes receivables primarily related to the Company&#8217;s International Currency Card portf</font><font style='font-family:Times New Roman;font-size:8pt;' >olios. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes approximately </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >13.3</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >13.8</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >billion of </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;' > outside the U.S. as of </font><font style='font-family:Times New Roman;font-size:8pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</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='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables primarily represent amounts related to (</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >) certain merchants for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >billed discount revenue</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and (ii) GNS partner banks for items such as royalty</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > franchise fees</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Additionally, for 2013, the balance also included purchased GNS joint venture receivables. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables are presented net of reserves for losses of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >61</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >71</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > and Other Loans</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > represent</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ing revolving amounts due on lending card products, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >are recorded at the time a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > enters into a point-of-sale transaction w</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ith a merchant, as well as amounts due from charge Card Members who utilize the lending-on-charge feature on their account and elect to revolve a portion of the outstanding balance by </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >enter</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ing </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >into a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >revolving</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > paym</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ent arrangement</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > with the Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >These loans have a range of terms such as credit limits, interest rates, fees and payment structures, which can be revised over time based on new information about Card Members and in accordance with applicable regulations</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and the respective product&#8217;s terms and conditions. Card Members holding revolving loans are typically required to make monthly payments based on pre-established amounts. The amounts that Card Members choose to revolve are subject to finance charges.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Card </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans are presented on the Consolidated Balance Sheets net of reserves for losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(refer to Note 4), and include principal, accrued interest and fees receivable. The Company&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >policy generally is to cease accruing interest on a </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loan at t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he time the account is written off, and establish reserves for interest that the Company believes will not be collected.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Loans </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >by segment </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >as of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > consisted of: </font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >62,592</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >58,395</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >7,744</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8,790</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Commercial Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >49</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >53</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >70,385</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >67,238</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1,201</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1,261</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member loans, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >69,184</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >65,977</font></td></tr><tr style='height:9.75pt;' ><td style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other loans, net</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >920</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >608</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes approximately </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >30.1</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31.2</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion of gross </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > loans available to settle obligations </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of a </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >consolidated VIE as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other loans primarily represent </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loans to merchants and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a store card </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loan </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >portfolio</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Other loans are presented net of reserves for losses of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > Loans and </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > Receivables Aging</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Generally</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;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;' > account </font><font style='font-family:Times New Roman;font-size:10pt;' >is considered</font><font style='font-family:Times New Roman;font-size:10pt;' > past due if payment is not received within 30 days af</font><font style='font-family:Times New Roman;font-size:10pt;' >ter the billing statement date. </font><font style='font-family:Times New Roman;font-size:10pt;' >The following table </font><font style='font-family:Times New Roman;font-size:10pt;' >presents the aging 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;' > loans and receivables 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;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >30-59</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >60-89</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90+</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;font-style:italic;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Current</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans: </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >61,995</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >179</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >128</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >290</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >62,592</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,621</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >39</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >27</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >57</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,744</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables: </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >22,096</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >129</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >72</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >171</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >22,468</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,557</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >29</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >20</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >47</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >7,653</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Global Commercial Services </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >120</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >14,583</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >30-59</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >60-89</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90+</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Days</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Current</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Due</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans: </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >57,772</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >183</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >134</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >306</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >58,395</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8,664</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >43</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >28</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >55</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >8,790</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21,488</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >125</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >69</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >160</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21,842</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >83</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >7,771</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:202.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Global Commercial Services</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >132</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >14,391</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Beginning in</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;' > first quarter 2014, as a result of system enhancements, delinquency data is now available and presented on a prospective basis for the indicated aging categories. Comparable data for prior periods is not available. For risk management </font><font style='font-family:Times New Roman;font-size:7.5pt;' >purposes, the Company has historically utilized 90 days past billing for the International Card Services (ICS) segment, as described below in (b). </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Delinquency data for periods other than 90 days past billing is not available due to system constraints. The</font><font style='font-family:Times New Roman;font-size:7.5pt;' >refore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. For Card Member receivables in GCS as of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >December</font><font style='font-family:Times New Roman;font-size:7.5pt;' > 31</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, 2014 and ICS and GCS as of December 31, 2013, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card</font><font style='font-family:Times New Roman;font-size:7.5pt;' > Member&#8217;s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amoun</font><font style='font-family:Times New Roman;font-size:7.5pt;' >ts are shown above as 90+ Days Past Due for presentation purposes. </font></li></ul></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Credit Quality Indicators for </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > Loans and Receivables</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:10pt;' >s present</font><font style='font-family:Times New Roman;font-size:10pt;' > the key credit quality indicators </font><font style='font-family:Times New Roman;font-size:10pt;' >as of or </font><font style='font-family:Times New Roman;font-size:10pt;' >for the years </font><font style='font-family:Times New Roman;font-size:10pt;' >ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >30 Days</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >30 Days</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal,</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal,</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest, &amp;</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a % of</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Principal</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Interest, &amp;</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > as a % of</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Only</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fees</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Only</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Fees</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.5</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.7</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.0</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.8</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.4</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.4</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Card Services </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.8</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.7</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.9</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2.1</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1.3</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td colspan='3' rowspan='1' style='width:99pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:99pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Loss</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Net Loss</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ratio as</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ratio as</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a % of</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Billing</font></td><td style='width:12pt;text-align:center;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a % of</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Past Billing</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charge</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a % of</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Charge</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a % of</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:198pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Volume</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Receivables</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Volume</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Receivables</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >International Card Services </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >0.20</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td style='width:198pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:198pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Commercial Services </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >0.09</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >0.8</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >0.08</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >0.9</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company presents a net write-off rate based on principal losses only (i.e.</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > excluding interest and/or fees) to be consistent with industry convention. </font><font style='font-family:Times New Roman;font-size:8pt;' >In addition, b</font><font style='font-family:Times New Roman;font-size:8pt;' >ecause the Company</font><font style='font-family:Times New Roman;font-size:8pt;' > considers </font><font style='font-family:Times New Roman;font-size:8pt;' >uncollectible interest and/or fees</font><font style='font-family:Times New Roman;font-size:8pt;' > in estimating </font><font style='font-family:Times New Roman;font-size:8pt;' >its</font><font style='font-family:Times New Roman;font-size:8pt;' > reserves</font><font style='font-family:Times New Roman;font-size:8pt;' > for</font><font style='font-family:Times New Roman;font-size:8pt;' > credit</font><font style='font-family:Times New Roman;font-size:8pt;' > losses, a net write-off rate including principal, interest and/or fees is also presented.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning in 2014, write-offs for certain installment loan products have been reclassified from Card Member receivables to Card Member loans. Pri</font><font style='font-family:Times New Roman;font-size:8pt;' >or period write-offs have not been reclassified. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Historically, net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented. Beginning in </font><font style='font-family:Times New Roman;font-size:8pt;' >the </font><font style='font-family:Times New Roman;font-size:8pt;' >first quarter 2014, as a result of system enhancements, 30 days past du</font><font style='font-family:Times New Roman;font-size:8pt;' >e as a % of total, n</font><font style='font-family:Times New Roman;font-size:8pt;' >et write-off rate (principal only) and Net write-off rate (principal and fees) have been presented. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Refer to</font><font style='font-family:Times New Roman;font-size:10pt;' > Note </font><font style='font-family:Times New Roman;font-size:10pt;' >4</font><font style='font-family:Times New Roman;font-size:10pt;' > for </font><font style='font-family:Times New Roman;font-size:10pt;' >additional indicators, including external </font><font style='font-family:Times New Roman;font-size:10pt;' >environmental</font><font style='font-family:Times New Roman;font-size:10pt;' > qualitative</font><font style='font-family:Times New Roman;font-size:10pt;' > factors, management considers </font><font style='font-family:Times New Roman;font-size:10pt;' >in its monthly </font><font style='font-family:Times New Roman;font-size:10pt;' >e</font><font style='font-family:Times New Roman;font-size:10pt;' >valuation process for reserves for losses.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Impaired </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > Loans and Receivables</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Impaired loans and receivables are 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;color:#000000;' >le that the Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 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;color:#000000;' >erms of the Card Member </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >agreement. The Company considers impaired loans and receivables to include: (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >) loans over 90&#160;days past due still accruing interest, (ii)&#160;non-accrual </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >loans and (iii)&#160;loans and receivables modified </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >as</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > troubled debt restructuring</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (TDR</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >The Company may modify</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, through various company sponsored programs,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > loans and receivables </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >in instances where the Card Member is experiencing financial diffic</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ulty in order </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >to minimize losses </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and improve collectability </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >while providing </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s with temporary or permanent financial relief. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The Company has classified Card Member loans and receivables in these modification programs as TDRs. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Such modifications </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >to the loans and receivables primarily include (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >) temporary interest rate reductions (possibly as low as zero percent, in which case the loan is characterized as non-accrual in the Company&#8217;s TDR disclosures), (ii) placing the Card Member on a fixed paymen</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >t plan not to exceed 60 months and (iii) suspending delinquency fees until the Card Member exits the modification program. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Upon entering the modification program, the Card Member&#8217;s ability to make future purchases is either cancelled or in certain cases su</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >spended until the Card Member successfully exits the modification program. In accordance with the modification agreement with the Card Member, loans may revert back to the original contractual terms (including the contractual interest rate) when the Card M</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ember exits the modification program, which is (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >) when all payments have been made in accordance with the modification agreement or, (ii) when the Card Member defaults out of the modification program. The Company establishes a reserve for Card Member inte</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >rest charges and fees considered to be uncollectible. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >Reserves for Card Member loans and receivables modified as TDRs are determined as the difference between the cash flows expected to be received from the Card Member (taking into consideration the proba</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >bility of subsequent defaults), discounted at the original effective interest rates, and the carrying value of the Card Member loan or receivable balance. The Company determines the original effective interest rate as the interest rate in effect prior to t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he imposition of any penalty interest rate. All changes in the impairment measurement are included in the provision for losses in the Consolidated Statements of Income.</font></p><p style='text-align:left;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provide</font><font style='font-family:Times New Roman;font-size:10pt;' >s</font><font style='font-family:Times New Roman;font-size:10pt;' > additional information with respect to th</font><font style='font-family:Times New Roman;font-size:10pt;' >e Company&#8217;s impaired Card Member loans, which are not significant for GCS, and Card Member receivables, which are not significant for ICS and GCS, as of or for</font><font style='font-family:Times New Roman;font-size:10pt;' > the years ended December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:18pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='16' rowspan='1' style='width:321.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >As of December 31, 2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Year Ended</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31, 2014</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans over</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance of</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&amp; Accruing</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Allowance</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >for TDRs</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Recognized</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 161 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 241 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 286 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 688 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 646 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 67 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 750 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 49 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 57 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 56 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 16 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 35 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 47 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 218 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 241 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 334 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 793 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 750 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 102 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 859 </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 65 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:18pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='16' rowspan='1' style='width:321.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >As of December 31, 2013</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Year Ended</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31, 2013</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans over</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance of</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&amp; Accruing</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Allowance</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >for TDRs</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Recognized</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(f)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 167 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 294 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 351 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 812 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 775 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 78 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 948 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 46 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 54 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 67 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 16 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 49 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 38 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 81 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 221 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 298 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 406 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 925 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 886 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 116 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,096 </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 62 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:18pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='16' rowspan='1' style='width:321.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:321.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >As of December 31, 2012</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Year Ended</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >December 31, 2012</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans over</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >90 Days</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:101.25pt;text-align:center;border-color:Black;min-width:101.25pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Average</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Past Due</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance of</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&amp; Accruing</font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Allowance</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2012 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest</font></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(d)</font></sup></td><td colspan='2' rowspan='1' style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >for TDRs</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ><sup><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(e)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Recognized</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 73 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 426 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 627 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,126 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,073 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 152 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,221 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 47 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >International Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 59 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 70 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 69 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 75 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 16 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Card Services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 117 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 117 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 111 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 91 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 135 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:107.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 132 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 431 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 750 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,313 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,253 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 244 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,431 </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >The Company&#8217;s policy is generally to accrue interest through the date of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >write</font><font style='font-family:Times New Roman;font-size:7.5pt;' >-</font><font style='font-family:Times New Roman;font-size:7.5pt;' >off (i.e.</font><font style='font-family:Times New Roman;font-size:7.5pt;' > 180 days past due). The Company establishes reserves for interest that the Company believes will not be collected.</font><font style='font-family:Times New Roman;font-size:7.5pt;' > Amounts presented exclude loans modified as a TDR.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Non-accrual loans not in modification </font><font style='font-family:Times New Roman;font-size:7.5pt;' >programs </font><font style='font-family:Times New Roman;font-size:7.5pt;' >include certain Card Member loans placed with outside collection agencies for which the Company has ceased accruing interest. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Total loans and receivables modified as a TDR includes </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >34</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;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >43</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >320</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million that are non-accrual and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >26</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >29</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million 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;' >6</font><font style='font-family:Times New Roman;font-size:7.5pt;' > million that are past due 90 days </font><font style='font-family:Times New Roman;font-size:7.5pt;' >and still</font><font style='font-family:Times New Roman;font-size:7.5pt;' > accruing interest as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >2013</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;' >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;' > respectively. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><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 interest and fees.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Represents the reserve for losses for 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 impa</font><font style='font-family:Times New Roman;font-size:7.5pt;' >irmen</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 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 </font><font style='font-family:Times New Roman;font-size:7.5pt;' >4</font><font style='font-family:Times New Roman;font-size:7.5pt;' > for further</font><font style='font-family:Times New Roman;font-size:7.5pt;' > disclosures regarding</font><font style='font-family:Times New Roman;font-size:7.5pt;' > the reserve for losses on loans over 90 days past due and</font><font style='font-family:Times New Roman;font-size:7.5pt;' > accruing interest and non-accrual loans, which are evaluated collectively for impairment.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >For the year 2013, certain amounts and their related reserves have been reclassified between Non-Accrual Loans and Loans</font><font style='font-family:Times New Roman;font-size:7.5pt;' > &amp; Receivables Modified as TDR.</font></li></ul></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#0070C0;' >Card Member</font><font style='font-family:Times New Roman;font-size:10pt;color:#0070C0;' > Loans and Receivables Modified as TDRs</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides additional information with respect to the U.S. Card Services (USCS) Card Member loans and receivables modified as TDRs 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;' >s ended </font><font style='font-family:Times New Roman;font-size:10pt;' >December 31</font><font style='font-family:Times New Roman;font-size:10pt;' >. The ICS and GCS Card </font><font style='font-family:Times New Roman;font-size:10pt;' >Member loans and receivables modifications were not significant</font><font style='font-family:Times New Roman;font-size:10pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Interest </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Payment </font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a,b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Rate Reduction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Term Extensions </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(in thousands)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >($ in millions) </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(% points)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(# of months)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 46 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 342 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >10</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 176 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >12</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 518 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Interest </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Payment </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;text-align:left;border-color:Black;min-width:251.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a,b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Rate Reduction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Term Extensions </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(in thousands)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >($ in millions) </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(% points)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(# of months)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 448 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 20 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 247 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 80 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 695 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:71.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:71.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Interest </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Average Payment </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;text-align:left;border-color:Black;min-width:251.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a,b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Rate Reduction</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Term Extensions </font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(in thousands)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >($ in millions) </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(% points)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(# of months)</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 106 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 779 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:243.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:243.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 425 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:12.75pt;' ><td colspan='2' rowspan='1' style='width:251.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:251.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 143 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1,204 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:60pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents the outstanding balance immediately prior to modification. </font><font style='font-family:Times New Roman;font-size:8pt;' >In certain m</font><font style='font-family:Times New Roman;font-size:8pt;' >odifications</font><font style='font-family:Times New Roman;font-size:8pt;' >, the principal balance was reduced in the</font><font style='font-family:Times New Roman;font-size:8pt;' > aggregate</font><font style='font-family:Times New Roman;font-size:8pt;' > amount of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >4</font><font style='font-family:Times New Roman;font-size:8pt;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >24</font><font style='font-family:Times New Roman;font-size:8pt;' > million for the years ended 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;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > respectively. </font><font style='font-family:Times New Roman;font-size:8pt;' >Modifications did not reduce the aggregate principal balance for the year ended December 31, 2014.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance includes principal, fees and accrued interest on Card M</font><font style='font-family:Times New Roman;font-size:8pt;' >ember loans and principal and fees on Card Member receivables.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest be</font><font style='font-family:Times New Roman;font-size:8pt;' >aring.</font></li></ul></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table provides information </font><font style='font-family:Times New Roman;font-size:10pt;' >for the years ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</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;' >2012</font><font style='font-family:Times New Roman;font-size:10pt;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >with respect to the</font><font style='font-family:Times New Roman;font-size:10pt;' > USCS</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 receivables modified as TDRs </font><font style='font-family:Times New Roman;font-size:10pt;' >that subsequently defaulted</font><font style='font-family:Times New Roman;font-size:10pt;' > within 12 months</font><font style='font-family:Times New Roman;font-size:10pt;' > of modification</font><font style='font-family:Times New Roman;font-size:10pt;' >. A </font><font style='font-family:Times New Roman;font-size:10pt;' >Card </font><font style='font-family:Times New Roman;font-size:10pt;' >Member</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >is considered in default</font><font style='font-family:Times New Roman;font-size:10pt;' > from a modification program after</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >one and up to </font><font style='font-family:Times New Roman;font-size:10pt;' >two</font><font style='font-family:Times New Roman;font-size:10pt;' > consecutive missed payments, depending on the terms of the modification program.</font><font style='font-family:Times New Roman;font-size:10pt;' > For all Card Members that defaulted from a modification program, the probability of default</font><font style='font-family:Times New Roman;font-size:10pt;' > is factored into the reserves for Card Member loans and receivables. The defaulted ICS Card Member loan and receivable modifications were not significant.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted: </font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 10 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 85 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 44 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 13 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 129 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 18 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 159 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 38 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 21 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 197 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:left;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;text-align:left;border-color:Black;min-width:405pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2012 </font><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:57pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:57pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 23 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 182 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:393.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:393.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 1 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 37 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:405pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:405pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 24 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 219 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance includes principal, fees, and accrued interest</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >on Card Member l</font><font style='font-family:Times New Roman;font-size:8pt;' >oans and pri</font><font style='font-family:Times New Roman;font-size:8pt;' >ncipal and fees on Card Member r</font><font style='font-family:Times New Roman;font-size:8pt;' >eceivables</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></p></div> 1045000000 1051000000 5.56 4.88 3.89 0.35 4000000 0 0 20000000 29000000 7557000000 0.019 0.021 0.013 990000000 0 0 742000000 744000000 0 0 223000000 10000000 246000000 412000000 626000000 409000000 900000000 900000000 0.5 0 0 742000000 0 0 1223000000 17525000000 6174000000 6722000000 742000000 0 0 0 0 1000000000 111000000 -40000000 145000000 -52000000 -9000000 0 150000000 750 0 93000000 -5000000 66000000 71000000 0 4000000 93000000 2443000000 2110000000 P10Y0M0D P6Y0M0D 0.131 0.188 0.142 0.04 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE 15</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Fair Values</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Fair value is defined as the price that would be re</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >quired</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, based on the Company&#8217;s principal or</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, in </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the absence of a principal,</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > most advantageous market for t</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >he specific asset or liability.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;color:#000000;' >GAAP provide</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > for a three-level hierarchy of inputs to valuation techniques used to measure fair value, defined as follows: </font></p><ul><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 1</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Calibri;font-size:12pt;color:#000000;' >&#8213;</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Inputs that are quoted prices (</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >unadjusted) for identical assets or liabilities in active markets</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > that the entity can access</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font></li><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 2 </font><font style='font-family:Calibri;font-size:12pt;color:#000000;' >&#8213;</font><font style='font-family:Calibri;font-size:12pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly, for substantiall</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >y the full term of the asset or liability, including:</font></li></ul><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-13.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > -</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Quoted prices for similar assets or liabilities in active markets</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >;</font></p><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-13.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > - </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Quoted prices for identical or similar assets or liabilities in markets that are not active</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >;</font></p><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-13.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > - </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Inputs other than quoted </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >prices that are observable for the asset or liability</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >; and</font></p><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:-27pt;color:#000000;' > -</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > Inputs that are derived principally from or corroborated by observable market data by correlation or </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >other means.</font></p><ul><li style='list-style:disc;text-align:justify;margin-top:3pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3 &#8213; Inputs that are unobservable and reflect the Company&#8217;s own </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >estimates</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > about the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >estimates </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >market participants would use in pricing the asset or liability based on the best information available in the circumstances (e.g., internally derived assumptions surrounding the timing and amount of expected cash flows). The Company d</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >id not measure any financial instruments presented on the Consolidated Balance Sheets at fair value on a recurring basis using significant unobservable inputs (Level 3) during the years ended December 31</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, although the disclosed fair va</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >lue of certain assets that are not carried at fair value, as presented later in this Note, are classified within Level 3.</font></li></ul><p style='text-align:justify;line-height:11.5pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:11.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company monitors the market conditions and evaluates the fair value hierarchy levels at least quarterly. For any transfers in and</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > out of the levels of the fair value hierarchy, the Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >disclose</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > the fair value measurement at the beginning of the reporting period during which the transfer occurred.</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > For the year ended December 31, 2014, there were no significant transfers between </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >levels. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Financial Assets and Financial Liabilities Carried at Fair</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >V</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >alue</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The following table summarizes the Company&#8217;s financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP&#8217;s valuation hierarchy (as described in the preceding paragraphs), as of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >December 31:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:123.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:123.75pt;' ><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='8' rowspan='1' style='width:191.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='8' rowspan='1' style='width:191.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions)</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level&#160;1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level 2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level&#160;1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Level 2</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Assets:</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Investment securities:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:123.75pt;text-align:left;border-color:Black;min-width:123.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity securities</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 124 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >124</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:123.75pt;text-align:left;border-color:Black;min-width:123.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Debt securities and other</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,430 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 350 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,080 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,892 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >320</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,572 </font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 991 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 991 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 701 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 701 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total assets</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,422 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 351 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 5,071 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,717</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >444</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,273</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Liabilities:</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:135pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:135pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total liabilities</font><sup><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 164 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213; </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >213</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times;font-size:8pt;' >Refer to Note 5</font><font style='font-family:Times;font-size:8pt;' > for the fair values </font><font style='font-family:Times New Roman;font-size:8pt;' >of investment securities </font><font style='font-family:Times New Roman;font-size:8pt;' >and to Note 14 for the fair values of derivative assets and liabilities, </font><font style='font-family:Times New Roman;font-size:8pt;' >on a further disaggregated basis</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Valuation Techniques Used in the Fair Value Measurement of Financial Assets and Financial Liabilities Carried at Fair Value</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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='text-align:justify;margin-top:9.75pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Investment Securities </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >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;' > fair value. Such investment securities are classified within Level</font><font style='font-family:Times New Roman;font-size:10pt;' > 1 of the fair value hierarchy.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >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&#8217;s investment securities are obtained primarily from pricing services engaged by the Company, and the </font><font style='font-family:Times New Roman;font-size:10pt;' >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 investmen</font><font style='font-family:Times New Roman;font-size:10pt;' >t 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</font><font style='font-family:Times New Roman;font-size:10pt;' >, 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</font><font style='font-family:Times New Roman;font-size:10pt;' > to</font><font style='font-family:Times New Roman;font-size:10pt;' > prices received from the pricing services. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company reaffirms its understanding of the valuation techniques used by its pricing services at least annually. In addition, the Company corroborates the prices provided by its pricing services </font><font style='font-family:Times New Roman;font-size:10pt;' >for</font><font style='font-family:Times New Roman;font-size:10pt;' > reason</font><font style='font-family:Times New Roman;font-size:10pt;' >ableness by comparing </font><font style='font-family:Times New Roman;font-size:10pt;' >the</font><font style='font-family:Times New Roman;font-size:10pt;' > prices </font><font style='font-family:Times New Roman;font-size:10pt;' >from the respective pricing services </font><font style='font-family:Times New Roman;font-size:10pt;' >to valuations </font><font style='font-family:Times New Roman;font-size:10pt;' >obtained </font><font style='font-family:Times New Roman;font-size:10pt;' >from different pricing</font><font style='font-family:Times New Roman;font-size:10pt;' > sources</font><font style='font-family:Times New Roman;font-size:10pt;' >. In instances where price discrepancies are identified between different pricing sources, the Company evaluates such discrepancies t</font><font style='font-family:Times New Roman;font-size:10pt;' >o ensure that the prices used for its valuation represent the fair value of the underlying investment securities.</font><font style='font-family:Times New Roman;font-size:10pt;' > Refer to Note </font><font style='font-family:Times New Roman;font-size:10pt;' >5</font><font style='font-family:Times New Roman;font-size:10pt;' > for additional fair value information.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Derivative Financial Instruments </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The fair value of the Company&#8217;s derivative financ</font><font style='font-family:Times New Roman;font-size:10pt;' >ial instruments is estimated by </font><font style='font-family:Times New Roman;font-size:10pt;' >third-party valuation service</font><font style='font-family:Times New Roman;font-size:10pt;' >s that use</font><font style='font-family:Times New Roman;font-size:10pt;' > proprietary</font><font style='font-family:Times New Roman;font-size:10pt;' > pricing models or by internal pricing models,</font><font style='font-family:Times New Roman;font-size:10pt;' > </font><font style='font-family:Times New Roman;font-size:10pt;' >where the</font><font style='font-family:Times New Roman;font-size:10pt;' > inputs to those models are readily observable from actively quoted markets. The pricing models used are consistently</font><font style='font-family:Times New Roman;font-size:10pt;' > applied and reflect the contractual terms of the derivatives as </font><font style='font-family:Times New Roman;font-size:10pt;' >described below. The Company reaffirms its understanding of the valuation techniques used by the third-party valuation services at least annually. </font><font style='font-family:Times New Roman;font-size:10pt;' >The Company&#8217;s derivative instruments are cla</font><font style='font-family:Times New Roman;font-size:10pt;' >ssified within Level 2 of the fair value hierarchy.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The fair value of the Company&#8217;s interest rate swaps is determined based on a discounted cash flow method using the following significant inputs: the contractual terms of the swap such as the notional amou</font><font style='font-family:Times New Roman;font-size:10pt;' >nt, fixed coupon rate, floating coupon rate (based on interbank rates consistent with the frequency and currency of the interest cash flows) and tenor, as well as discount rates consistent with the underlying economic factors of the currency in which the c</font><font style='font-family:Times New Roman;font-size:10pt;' >ash flows are denominated. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The fair value of the Company&#8217;s tot</font><font style='font-family:Times New Roman;font-size:10pt;' >al return contract, which served</font><font style='font-family:Times New Roman;font-size:10pt;' > as a hedge against the Hong Kong dollar (HKD) change in fair value associated with the Company&#8217;s investment in </font><font style='font-family:Times New Roman;font-size:10pt;' >ICBC</font><font style='font-family:Times New Roman;font-size:10pt;' >, is determined based on a discounted cash fl</font><font style='font-family:Times New Roman;font-size:10pt;' >ow method using the following significant inputs as of the valuation date: number of shares of the Company&#8217;s underlying ICBC investment, the quoted market price of the shares in HKD and the monthly settlement terms of the contract inclusive of price and te</font><font style='font-family:Times New Roman;font-size:10pt;' >nor. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The fair value of foreign exchange forward contracts is determined based on a discounted cash flow method using the following significant inputs: the contractual terms of the forward contracts such as the notional amount, maturity dates and contract </font><font style='font-family:Times New Roman;font-size:10pt;' >rate, as well as relevant foreign currency forward curves, and discount rates consistent with the underlying economic factors of the currency in which the cash flows are denominated.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Credit valuation adjustments are necessary when the market parameters, su</font><font style='font-family:Times New Roman;font-size:10pt;' >ch as a benchmark curve, used to value derivatives are not indicative of the credit quality of the Company or its counterparties. The Company considers the counterparty credit risk by applying an observable forecasted default rate to the c</font><font style='font-family:Times New Roman;font-size:10pt;' >urrent exposure. </font><font style='font-family:Times New Roman;font-size:10pt;' >Refer to Note 14</font><font style='font-family:Times New Roman;font-size:10pt;' > for additional fair value information.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Financial Assets and Financial Liabilities Carried at Other Than Fair Value</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table discloses the estimated fair value for the Company&#8217;s financial assets and financial liabilities that are not </font><font style='font-family:Times New Roman;font-size:10pt;' >required to be </font><font style='font-family:Times New Roman;font-size:10pt;' >carried at fair value</font><font style='font-family:Times New Roman;font-size:10pt;' > on a recurring basis</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;' >, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </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></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='10' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 2</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 22 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 22 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loans, net</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 70 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 71 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 71 </font></td></tr><tr style='height:5.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 61 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Long-term debt</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 58 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='10' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Billions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 2</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Level 3</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 19 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 19 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 17 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 48 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 48 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loans, net</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 67 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 67 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 67 </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:232.5pt;text-align:left;border-color:Black;min-width:232.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities for which carrying values equal or </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:left;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:217.5pt;text-align:left;border-color:Black;min-width:217.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >approximate fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 60 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 60 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:225pt;text-align:left;border-color:Black;min-width:225pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Financial liabilities carried at other than fair value</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 7 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 8 </font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 8 </font></td><td style='width:12pt;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr><tr style='height:8.25pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:210pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:210pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Long-term debt</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 55 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 58 </font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 58 </font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:12pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$ </font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213; </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Reflects time deposits.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes</font><font style='font-family:Times New Roman;font-size:7.5pt;' > accounts receivable</font><font style='font-family:Times New Roman;font-size:7.5pt;' > (including </font><font style='font-family:Times New Roman;font-size:7.5pt;' >fair v</font><font style='font-family:Times New Roman;font-size:7.5pt;' >alu</font><font style='font-family:Times New Roman;font-size:7.5pt;' >es 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;' > receivables </font><font style='font-family:Times New Roman;font-size:7.5pt;' >of</font><font style='font-family:Times New Roman;font-size:7.5pt;' > $</font><font style='font-family:Times New Roman;font-size:7.5pt;' >7.0</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >billion</font><font style='font-family:Times New Roman;font-size:7.5pt;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;' >and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >7.3</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion </font><font style='font-family:Times New Roman;font-size:7.5pt;' >held </font><font style='font-family:Times New Roman;font-size:7.5pt;' >by consolidated VIEs as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >2013</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >)</font><font style='font-family:Times New Roman;font-size:7.5pt;' >, restricted cash and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >other miscellaneous assets</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;' >Includes</font><font style='font-family:Times New Roman;font-size:7.5pt;' > f</font><font style='font-family:Times New Roman;font-size:7.5pt;' >air valu</font><font style='font-family:Times New Roman;font-size:7.5pt;' >es of loans </font><font style='font-family:Times New Roman;font-size:7.5pt;' >of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >29.9</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >31.0</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion</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 long-term debt of </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >19.5</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion</font><font style='font-family:Times New Roman;font-size:7.5pt;' > and </font><font style='font-family:Times New Roman;font-size:7.5pt;' >$</font><font style='font-family:Times New Roman;font-size:7.5pt;' >18.8</font><font style='font-family:Times New Roman;font-size:7.5pt;' > billion, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >held </font><font style='font-family:Times New Roman;font-size:7.5pt;' >by consolidated VIEs as of December 31, </font><font style='font-family:Times New Roman;font-size:7.5pt;' >2014</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;' >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;' >respectively</font><font style='font-family:Times New Roman;font-size:7.5pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font 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></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The fair values of these financial instruments are estimates based upon the market conditions and perceived risks as of 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;' >2014</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;' > require management judgment. These figures may not be indicative of future fair values. The fair value of the Company cannot be reliably estimated by aggregating the amounts presented.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Valuation Techniques Used in the Fair Value Measurement of Financial </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Assets and Financial Liabilities Carried at Other Than Fair Value </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >For the financial assets and liabilities that are not required to be </font><font style='font-family:Times New Roman;font-size:10pt;' >carried</font><font style='font-family:Times New Roman;font-size:10pt;' > at fair value on a recurring basis (categorized in the valuation hierarchy table above) the Company applies the </font><font style='font-family:Times New Roman;font-size:10pt;' >following valuation techniques to measure fair value:</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Financial Assets </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >For</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > Which Carrying Values Equal or Approximate Fair Value </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Financial assets for which carrying values equal or approximate fair value include cash and cash equivalents, </font><font style='font-family:Times New Roman;font-size:10pt;' >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, accrued interest and certain other assets. For these assets, the carrying values approximate fair value because they are short term in duration</font><font style='font-family:Times New Roman;font-size:10pt;' >, have no defined maturity</font><font style='font-family:Times New Roman;font-size:10pt;' > or</font><font style='font-family:Times New Roman;font-size:10pt;' > have a market-based interest</font><font style='font-family:Times New Roman;font-size:10pt;' > rate. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times;font-size:10pt;font-weight:bold;margin-left:0pt;' >Financial Assets Carried At Other Th</font><font style='font-family:Times;font-size:10pt;font-weight:bold;' >an Fair Value</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times;font-size:10pt;font-style:italic;margin-left:0pt;' >Loans</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Loans are recorded at historical cost, less reserves, on the Consolidated Balance Sheets. In estimating the fair value for the Company&#8217;s loans </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the Company uses a discounted cash flow model. Due to the lack of a comparable whole loan sal</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >es market for similar credit card receivables and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >the</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > lack of observable pricing inputs thereof, the Company uses various inputs derived from an equivalent securitization market to estimate fair value. Such inputs include projected income (inclusive of fut</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ure interest payments and late fee revenue), estimated pay-down rates, discount rates and relevant credit costs.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Financial Liabilities </font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' >For</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;' > Which Carrying Values Equal Or Approximate Fair Value</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Financial liabilities for which carrying values equal or appro</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ximate fair value include accrued interest, customer deposits (excluding certificates of deposit, which are described further below), Trave</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >lers </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cheques</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and other prepaid products outstanding, accounts payable, short-</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >term borrowings and certain other liabil</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ities for which the carrying values approximate fair value because they are short</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >term in duration, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >have no defined maturity or have a market-based interest rate. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0pt;' >Financial Liabilities Carried At Other Than Fair Value </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0pt;' >Certificates of Deposit</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Certificates of deposit (CDs) are recorded at their historical issuance cost on th</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >e Consolidated Balance Sheets. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fair value is estimated using a discounted cash flow methodology based on the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >future cash flows and the discount rate that reflects the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Company</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#8217;s current rates for similar types of CDs</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > within similar markets</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times;font-size:10pt;font-style:italic;margin-left:0pt;' >Long-term Debt</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >Long-term debt is recorded at historical issuance cost on the Consolidated Balance Sheets</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > adjusted for the impact of fair value hedge accounting on certain fixed-rate notes </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and current translation rates for foreign-denominated debt</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >The fair value of the Company&#8217;s long-term debt is measured using quoted offer prices when quoted market prices are available. If quoted market prices are not available, the fair value is determine</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >d by discounting the future cash flows of each instrument at rates currently observed in publicly</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >-</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >traded debt markets for debt of similar terms and credit risk. For long-term debt, where there are no rates currently observable in publicly traded debt marke</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ts of similar terms and comparable credit risk, the Company uses market interest rates and adjusts those rates for necessary risks, including its own credit risk. In determining an appropriate spread to reflect its credit standing, the Company considers cr</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >edit default swap spreads, bond yields of other long-term debt offered by the Company, and interest rates currently offered to the Company for similar debt instruments of comparable maturities.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Nonrecurring Fair Value Measurements</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#000000;' >The Company </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >has certain assets that are subject to measurement at fair value on a nonrecurring basis. For these assets, measurement at fair value in periods subsequent to their initial recognition is applicable if determined to be impaired. During the </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >years</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > ended </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Dece</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >mber</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 3</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, the Company did not have any material assets that were </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >measured at fair value due to impairment</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >.</font></p></div> 5614000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Membership Rewards</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Membership Rewards program allows enrolled Card Members to earn points that can be redeemed for a br</font><font style='font-family:Times New Roman;font-size:10pt;' >oad range of rewards including travel, entertainment, retail certificates and merchandise. The Company records a balance sheet liability that represents management&#8217;s best estimate of the cost of points earned that are expected to be redeemed in the future.</font><font style='font-family:Times New Roman;font-size:10pt;' > The </font><font style='font-family:Times New Roman;font-size:10pt;' >Ultimate Redemption Rate (</font><font style='font-family:Times New Roman;font-size:10pt;' >URR</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;' > weighted average cost (</font><font style='font-family:Times New Roman;font-size:10pt;' >WAC</font><font style='font-family:Times New Roman;font-size:10pt;' >)</font><font style='font-family:Times New Roman;font-size:10pt;' > per point are key assumptions used to approximate the Membership Rewards liability. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:18pt;' >The expense for Membership Rewards points is included in marketing, promotion, rewards and Card Member </font><font style='font-family:Times New Roman;font-size:10pt;' >services expenses. The Company periodically evaluates its liability estimation process and assumptions based on developments in redemption patterns, cost per point redeemed, partner contract changes and other factors.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Defined Contribution Retirement Plans</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company</font><font style='font-family:Times New Roman;font-size:10pt;' > sponsors defined contribution retirement plans, the principal plan being the Retirement Savings Plan (RSP), a 401(k) savings plan with a profit-sharing component. The RSP is a tax-qualified retirement plan subject to </font><font style='font-family:Times New Roman;font-size:10pt;' >the </font><font style='font-family:Times New Roman;font-size:10pt;' >Employee Retirement Income Securit</font><font style='font-family:Times New Roman;font-size:10pt;' >y Act of 1974 (ERISA) and covers most employees in the U.S. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Defined Benefit Pension </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >and other postretirement benefit </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >Plans </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >primary defined benefit pension plans that cover certain employees in the U.S. and United Kingdom are closed to new entrants and existing participants do not accrue any additional benefits. Most employees outside the U.S. and United Kingdom are covered by </font><font style='font-family:Times New Roman;font-size:10pt;' >local retirement plans, some of which are funded, while other employees receive payments at the time of retirement or termination under applicable labor laws or agreements. The Company complies with minimum funding requirements in all countries. The Compan</font><font style='font-family:Times New Roman;font-size:10pt;' >y sponsors unfunded other postretirement benefit plans that provide health care and life insurance to certain retired U.S. employees. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Company </font><font style='font-family:Times New Roman;font-size:10pt;' >recognizes</font><font style='font-family:Times New Roman;font-size:10pt;' > the funded status </font><font style='font-family:Times New Roman;font-size:10pt;' >of its defined benefit pension plans and other postretirement benefit plans, measured</font><font style='font-family:Times New Roman;font-size:10pt;' > as the difference between the fair value of</font><font style='font-family:Times New Roman;font-size:10pt;' > the </font><font style='font-family:Times New Roman;font-size:10pt;' >plan assets and the projected benefit ob</font><font style='font-family:Times New Roman;font-size:10pt;' >ligation</font><font style='font-family:Times New Roman;font-size:10pt;' >, in the Consolidated Balance Sheets.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p></div> 0.5 132000000 121000000 107000000 12 12 13 465000000 386000000 428000000 4000000 -34000000 -11000000 1201000000 1261000000 1471000000 -7000000 -22000000 12000000 4000000 0 0 18000000 0 0 -17000000 -12000000 7000000 58000000 64000000 2000000000 0.036 687000 1366000000 0 0 1000000 0.052 3-month Libor plus 3.428 percent 750000 750000000 1000 -7000000 -6000000 750 0 0 0 600000000 0 3000000000 22000000000 8000000000 180700000 34300000 0 AXP 170000000 30000000 412000000 58000000 196000000 37000000 -206000000 -3000000 -23000000 -1000000 -51000000 -93000000 -22000000 -8000000 -9000000 -124000000 435000000 35000000 1.34 1.44 1.41 1.4 1.39 1.4 1.43 1.33 1.15 1.28 1.26 1.22 1.21 1.25 1.27 1.15 0 630000000 0 0 1.25 0.1 1.66 0 96000000 630000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:1pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Stock O</font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >ptions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Each stock option has an exercise price equal to the market price of the Company&#8217;s common stock on the date of grant and a contractual term of 10 years from the date of grant. </font><font style='font-family:Times New Roman;font-size:10pt;' >Stock options&#160;</font><font style='font-family:Times New Roman;font-size:10pt;' >generally</font><font style='font-family:Times New Roman;font-size:10pt;' >&#160;vest 25 percent per year beginning with the first annive</font><font style='font-family:Times New Roman;font-size:10pt;' >rsary of the grant date&#160;or </font><font style='font-family:Times New Roman;font-size:10pt;' >at 100 percent on the third anniversary of the grant date.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Restricted Stock Awards </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >RSAs are valued based on the stock price on the date of grant and </font><font style='font-family:Times New Roman;font-size:10pt;' >generally</font><font style='font-family:Times New Roman;font-size:10pt;' > vest 25 percent per year</font><font style='font-family:Times New Roman;font-size:10pt;' > beginning with the firs</font><font style='font-family:Times New Roman;font-size:10pt;' >t anniversary of the grant date</font><font style='font-family:Times New Roman;font-size:10pt;' > or </font><font style='font-family:Times New Roman;font-size:10pt;' >at 100 percent on the third anniversary of the grant date. RSA holders receive non-forfeitable dividends or dividend equivalents. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Liability-based Awards</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Certain employees are awarded PGs and other incentive awards that can be settled with cash or equity shares at the Company&#8217;s discretion and final Compensation and Benefits Committee payout approval. These awards earn value based on performance, market and </font><font style='font-family:Times New Roman;font-size:10pt;' >service conditions and vest over periods of one to three years. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:13.5pt;' >PGs and other incentive awards are generally settled with cash and thus are classified as liabilities and, therefore, the fair value is determined at the date of grant and </font><font style='font-family:Times New Roman;font-size:10pt;' >remeasured</font><font style='font-family:Times New Roman;font-size:10pt;' > quarterl</font><font style='font-family:Times New Roman;font-size:10pt;' >y as part of compensation expense over the vesting period. </font></p></div> 133000000 313000000 42000000 17000000 0.35 0.35 66000000 220000000 249000000 68000000 195000000 6000000 1000000 18000000 0 96000000 72000000 221000000 267000000 68000000 291000000 919000000 798000000 121000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Restricted Net Assets of Subsidiaries</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Certain of the Company&#8217;s subsidiaries are subject to restrictions on the transfer of net assets under debt agreements and regulatory requirements. These restrictions have not had any effect on the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >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</font><font style='font-family:Times New Roman;font-size:10pt;' > of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the aggregate amount of net assets of subsidiaries that are restricted to be transferred to the Company was approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >11.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion. </font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Bank Holding Company Dividend Restrictions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company is limited in its ability to p</font><font style='font-family:Times New Roman;font-size:10pt;' >ay dividends by the Federal Reserve</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > 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 </font><font style='font-family:Times New Roman;font-size:10pt;' >preferred and </font><font style='font-family:Times New Roman;font-size:10pt;' >common </font><font style='font-family:Times New Roman;font-size:10pt;' >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 cond</font><font style='font-family:Times New Roman;font-size:10pt;' >ition. Moreover, bank holding companies are required by statu</font><font style='font-family:Times New Roman;font-size:10pt;' >t</font><font style='font-family:Times New Roman;font-size:10pt;' >e 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 i</font><font style='font-family:Times New Roman;font-size:10pt;' >s 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</font><font style='font-family:Times New Roman;font-size:10pt;' > Federal Reserve.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Banks&#8217; Dividend Restrictions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >In the years ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, Centurio</font><font style='font-family:Times New Roman;font-size:10pt;' >n Bank paid dividends from retained earnings to its parent of $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.9</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.4</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respectively, and FSB paid dividends from retained earnings to its parent of $</font><font style='font-family:Times New Roman;font-size:10pt;' >2.1</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.8</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respectively. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Banks are subject to statutory and regulatory limitations on their ability to pay dividends. 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 supervisory considerations of the Banks&#8217; regulators, is general</font><font style='font-family:Times New Roman;font-size:10pt;' >ly limited to the retained earnings of the respective bank. As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Banks&#8217; retained earnings, in the aggregate, available for the payment of dividends were $</font><font style='font-family:Times New Roman;font-size:10pt;' >3.6</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >4.6</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respectively. In de</font><font style='font-family:Times New Roman;font-size:10pt;' >termining 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 regulator</font><font style='font-family:Times New Roman;font-size:10pt;' >s have authority to limit or prohibit the payment of a dividend by the Banks 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&#8217;s opinion, payment of a dividend would constitute an unsafe or unsound banking practice in light of the fin</font><font style='font-family:Times New Roman;font-size:10pt;' >ancial condition of the banking organization.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >NOTE </font><font style='font-family:Times New Roman;font-size:10pt;color:#52A2DD;' >23</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:13.5pt;margin-left:0pt;color:#52A2DD;' >Regulatory Matters and Capital Adequacy </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company is supervised and regulated by the Federal Reserve and is subject to the Federal Reserve&#8217;s requirements for risk-based capital and leverage ratios. The Company&#8217;s two U.S. bank operating </font><font style='font-family:Times New Roman;font-size:10pt;' >subsidiaries, </font><font style='font-family:Times New Roman;font-size:10pt;' >American Express Centurion Bank (Centurion Bank) and American Express Bank, FSB (FSB) (together, the Banks), </font><font style='font-family:Times New Roman;font-size:10pt;' >are subject to supervision and regulation, including similar regulatory capital requirements by the Federal Deposit Insurance Corpora</font><font style='font-family:Times New Roman;font-size:10pt;' >tion (FDIC) and the Office of the Comptroller of the Currency (OCC)</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='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Under the risk-based capital guidelines of the Federal Reserve, the Company is required to maintain minimum ratios of </font><font style='font-family:Times New Roman;font-size:10pt;' >Common Equity Tier 1 (CET1), </font><font style='font-family:Times New Roman;font-size:10pt;' >Tier 1 and Total (Tier</font><font style='font-family:Times New Roman;font-size:10pt;' > 1 </font><font style='font-family:Times New Roman;font-size:10pt;' >plus Tier 2) capital to risk-</font><font style='font-family:Times New Roman;font-size:10pt;' >weighted assets, as well as a minimum leverage ratio (Tier 1 capital to average adjusted on-balance sheet assets). </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional, discretio</font><font style='font-family:Times New Roman;font-size:10pt;' >nary actions by regulators, that, if undertaken, could have a direct material effect on the Company&#8217;s and the Banks&#8217;</font><font style='font-family:Times New Roman;font-size:10pt;' > operating activities</font><font style='font-family:Times New Roman;font-size:10pt;' >. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Company and its Banks</font><font style='font-family:Times New Roman;font-size:10pt;' > met all capital requirements to which each was subject</font><font style='font-family:Times New Roman;font-size:10pt;' > and maintained regulatory capital ratios in excess of those required to qualify as well capitalized.</font><font style='font-family:Times New Roman;font-size:10pt;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' > </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The following table presents the regulatory capital ratios </font><font style='font-family:Times New Roman;font-size:10pt;' >for the Company and the Banks</font><font style='font-family:Times New Roman;font-size:10pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >CET1</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tier 1</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >CET1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tier 1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Tier 1</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:13.5pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Millions, except percentages)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital ratio</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital ratio</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >capital ratio</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >leverage ratio</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >December&#160;31, 2014:</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Company</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 17,525 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 18,176 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 20,801 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >13.1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 13.6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15.6 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 11.8 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >%&#160;</font></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Centurion Bank</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,174 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,174 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,584 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >18.8</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 18.8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 20.1 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 18.7 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Bank, FSB</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,722 </font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 6,722 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7,604 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >14.2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 14.2 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 16.0 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 15.1 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >December&#160;31, 2013:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:left;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:left;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Company</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >16,174</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18,585</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >12.5</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >14.4</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10.9</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Centurion Bank</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,366</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,765</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >19.9</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >21.2</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >19.0</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >American Express Bank, FSB</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6,744</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7,662</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >15.6</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >17.7</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >17.5</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:133.5pt;text-align:left;border-color:Black;min-width:133.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:46.5pt;text-align:left;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Well-capitalized ratios</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(f)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:46.5pt;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6.0</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >10.0</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5.0</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(d)</font></sup></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:141.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:141.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Minimum capital ratios</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(e)</font></sup></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:31.5pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:46.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:46.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5.5</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:48.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8.0</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >%&#160;</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning in 2014, as a Basel III Advanced Approaches institution, capital ratios are reported using Basel III capital definitions, inclusive of transition provisions and Basel I risk-weighted assets. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >As part of the new Basel III capital rule, effective for 2014, Basel III Advanced Approaches institutions are required to disclose Common Equity Tier 1 capital and associated ratio. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >FSB Tier 1 leverage ratio is calculated using ending total assets in 2013</font><font style='font-family:Times New Roman;font-size:8pt;' > and average total assets in 2014 as prescribed by OCC regulations applicable to federal savings banks. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents requirements for banking subs</font><font style='font-family:Times New Roman;font-size:8pt;' >idiaries to be considered &#8220;well-</font><font style='font-family:Times New Roman;font-size:8pt;' >capitalized&#8221; pursuant to regulations issued under the Federal Deposit Insurance</font><font style='font-family:Times New Roman;font-size:8pt;' > Corporation Improvement Act. There is no &#8220;we</font><font style='font-family:Times New Roman;font-size:8pt;' >ll-</font><font style='font-family:Times New Roman;font-size:8pt;' >capitalized&#8221; definition for the Tier 1 leverage ratio for a bank holding company.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >As defined by the regulations issu</font><font style='font-family:Times New Roman;font-size:8pt;' >ed by the Federal Reserve, OCC </font><font style='font-family:Times New Roman;font-size:8pt;' >and FDIC</font><font style='font-family:Times New Roman;font-size:8pt;' > for the year ended December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning J</font><font style='font-family:Times New Roman;font-size:8pt;' >anuary 1, 2015, Basel III CET1 well-capitalized ratios become relevant capital measures under the prompt and corrective action requirements defined by the regulations for Advanced Approaches institutions.</font></li></ul><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:8pt;margin-left:12.25pt;' > </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Restricted Net Assets of Subsidiaries</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >Certain of the Company&#8217;s subsidiaries are subject to restrictions on the transfer of net assets under debt agreements and regulatory requirements. These restrictions have not had any effect on the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:10pt;' >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</font><font style='font-family:Times New Roman;font-size:10pt;' > of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' >, the aggregate amount of net assets of subsidiaries that are restricted to be transferred to the Company was approximately $</font><font style='font-family:Times New Roman;font-size:10pt;' >11.0</font><font style='font-family:Times New Roman;font-size:10pt;' > billion. </font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Bank Holding Company Dividend Restrictions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >The Company is limited in its ability to p</font><font style='font-family:Times New Roman;font-size:10pt;' >ay dividends by the Federal Reserve</font><font style='font-family:Times New Roman;font-size:10pt;' >,</font><font style='font-family:Times New Roman;font-size:10pt;' > 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 </font><font style='font-family:Times New Roman;font-size:10pt;' >preferred and </font><font style='font-family:Times New Roman;font-size:10pt;' >common </font><font style='font-family:Times New Roman;font-size:10pt;' >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 cond</font><font style='font-family:Times New Roman;font-size:10pt;' >ition. Moreover, bank holding companies are required by statu</font><font style='font-family:Times New Roman;font-size:10pt;' >t</font><font style='font-family:Times New Roman;font-size:10pt;' >e 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 i</font><font style='font-family:Times New Roman;font-size:10pt;' >s 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</font><font style='font-family:Times New Roman;font-size:10pt;' > Federal Reserve.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;color:#52A2DD;' >Banks&#8217; Dividend Restrictions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:0pt;' >In the years ended December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, Centurio</font><font style='font-family:Times New Roman;font-size:10pt;' >n Bank paid dividends from retained earnings to its parent of $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.9</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.4</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respectively, and FSB paid dividends from retained earnings to its parent of $</font><font style='font-family:Times New Roman;font-size:10pt;' >2.1</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >1.8</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respectively. </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:10pt;margin-left:12.25pt;' >The Banks are subject to statutory and regulatory limitations on their ability to pay dividends. 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 supervisory considerations of the Banks&#8217; regulators, is general</font><font style='font-family:Times New Roman;font-size:10pt;' >ly limited to the retained earnings of the respective bank. As of December 31, </font><font style='font-family:Times New Roman;font-size:10pt;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;' > and </font><font style='font-family:Times New Roman;font-size:10pt;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;' >, the Banks&#8217; retained earnings, in the aggregate, available for the payment of dividends were $</font><font style='font-family:Times New Roman;font-size:10pt;' >3.6</font><font style='font-family:Times New Roman;font-size:10pt;' > billion and $</font><font style='font-family:Times New Roman;font-size:10pt;' >4.6</font><font style='font-family:Times New Roman;font-size:10pt;' > billion, respectively. In de</font><font style='font-family:Times New Roman;font-size:10pt;' >termining 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 regulator</font><font style='font-family:Times New Roman;font-size:10pt;' >s have authority to limit or prohibit the payment of a dividend by the Banks 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&#8217;s opinion, payment of a dividend would constitute an unsafe or unsound banking practice in light of the fin</font><font style='font-family:Times New Roman;font-size:10pt;' >ancial condition of the banking organization.</font></p></div> 95000000 62000000

Represents net income less earnings allocated to participating share awards of $ 46 million, $ 47 million and $ 49 million for the years ended December 31, 2014 , 2013 and 2012 , respectively.