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style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The following table presents certain selected financial information for the Company&#8217;s reportable operating segments and Corporate &amp; Other as of </font><font style='font-family:BentonSans Regular;font-size:9pt;' >or</font><font style='font-family:BentonSans Regular;font-size:9pt;' > for the years ended December 31, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:24pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Millions, except where indicated)</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' ></font></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;vertical-align:bottom;border-color:Black;min-width:52.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >USCS</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:53.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >ICNS</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:53.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >GCS</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:53.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >GMS</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:53.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Corporate &amp; Other</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font><sup><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:53.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font 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style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font 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style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >27,030</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >5,755</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,029</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,361</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >407</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >8,553</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >742</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >251</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >540</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(262)</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >841</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,112</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >12,936</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >5,830</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >10,284</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >4,596</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(175)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >33,471</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total provisions</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#E46D0A;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,630</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >367</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >744</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >15</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,759</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,803</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,093</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,999</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,389</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(1,870)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >7,414</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >912</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >181</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >972</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >815</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,798</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >4,678</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,891</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >912</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,027</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,574</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(3,668)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,736</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;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total assets </font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >94</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >39</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >53</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >29</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(34)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >181</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,874</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >4,785</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >9,007</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >4,235</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >447</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >26,348</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5,082</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >922</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,209</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >261</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,475</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >536</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >219</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >401</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(237)</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >785</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,704</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >12,420</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5,488</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >9,815</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >4,473</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(77)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >32,119</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total provisions</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > (b)</font></sup></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,065</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >325</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >604</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >25</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,026</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3,881</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >818</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,945</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,295</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(1,843)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >8,096</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,368</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >163</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,036</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >837</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(716)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,688</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,513</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >655</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,909</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,458</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(1,127)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5,408</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;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total assets </font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >87</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >36</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >47</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >24</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(35)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >159</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2015</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Non-interest revenues</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >8,479</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >4,627</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >8,930</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >4,471</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >389</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >26,896</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Interest income</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5,198</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >945</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,175</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >226</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,545</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Interest expense</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >488</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >235</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >365</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(211)</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >746</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,623</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total revenues net of interest expense</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >13,189</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5,337</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >9,740</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >4,683</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(131)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >32,818</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total provisions</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > (b)</font></sup></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,064</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >300</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >588</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >31</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,988</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Pretax income (loss) from continuing operations</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3,677</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >904</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3,164</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,381</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(2,188)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,938</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Income tax provision (benefit)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,322</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >220</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,142</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >882</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(791)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,775</font></td></tr><tr style='height:9.75pt;' ><td style='width:171pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Net income (loss)</font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,355</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >684</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,022</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,499</font></td><td style='width:8.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(1,397)</font></td><td style='width:8.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5,163</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;vertical-align:middle;border-color:Black;min-width:171pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total assets </font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' > (billions)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:40.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >93</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >35</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >45</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >24</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:12pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(36)</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:8.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:41.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >161</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Corporate&#160;&amp; Other includes adjustments and eliminations for intersegment activity. </font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Beginning December 1, 2015 through to the sale completion dates, in the USCS and GCS</font><font style='font-family:BentonSans Regular;font-size:7pt;' > segments, total provisions did</font><font style='font-family:BentonSans Regular;font-size:7pt;' > not include credit costs related to Card Member loans </font><font style='font-family:BentonSans Regular;font-size:7pt;' >and receivables HFS, which were reported in Other expenses through a valuation allowance adjustment. </font></li></ul></div> 529000000 121000000 <div><p style='text-align:left;margin-top:5.25pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >NOTE </font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' >1</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:13.5pt;font-weight:bold;margin-left:0pt;color:#002663;' >Summary of Significant Accounting Policies </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >The Company </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >American Express Company (the Company) is a global services</font><font style='font-family:BentonSans Regular;font-size:9pt;' > 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:BentonSans Regular;font-size:9pt;' >o consumers and businesses around the world. Business travel-related services are offered through the non-consolidated joint venture, American Express Global Bu</font><font style='font-family:BentonSans Regular;font-size:9pt;' >siness Travel (the GBT JV). </font><font style='font-family:BentonSans Regular;font-size:9pt;' >The Company&#8217;s various products and services are sold globally to </font><font style='font-family:BentonSans Regular;font-size:9pt;' >diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are sold through various channels, including direct mail, online applications, in-house and third-party sales forces and</font><font style='font-family:BentonSans Regular;font-size:9pt;' > direct response advertising. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Effective for the first quarter of 2016, the Company realigned its segment presentation to reflect the organizational changes announced during the fourth quarter of 2015. Prior periods have been restated to conform to the new</font><font style='font-family:BentonSans Regular;font-size:9pt;' > reportable operating segments. Refer to Note 25 for additional discussion of the products and services that comprise each segment. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Corporate functions and certain other businesses and operations are included in Corporate &amp; Other.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Principles of Consolidati</font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' >on </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The Consolidated Financial Statements of the Company are prepared in conformity with accounting principles generally accepted in the United States of America (GAAP). Significant intercompany transactions are eliminated.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The Company consolidates entitie</font><font style='font-family:BentonSans Regular;font-size:9pt;' >s in which it holds a &#8220;controlling financial interest.&#8221; For voting interest entities, the Company is considered to hold a controlling financial interest when it is able to exercise control over the investees&#8217; operating and financial decisions. For variable</font><font style='font-family:BentonSans Regular;font-size:9pt;' > interest entities (VIEs), the determination of which is based on the amount and characteristics of the entity&#8217;s equity, the Company is considered to hold a controlling financial interest when it is determined to be the primary beneficiary. A primary benef</font><font style='font-family:BentonSans Regular;font-size:9pt;' >iciary is the party that has both: (1) the power to direct the activities that most significantly impact that VIE&#8217;s economic performance, and (2) the obligation to absorb </font><font style='font-family:BentonSans Regular;font-size:9pt;' >the </font><font style='font-family:BentonSans Regular;font-size:9pt;' >losses of, or the right to receive </font><font style='font-family:BentonSans Regular;font-size:9pt;' >the </font><font style='font-family:BentonSans Regular;font-size:9pt;' >benefits from, the VIE that could p</font><font style='font-family:BentonSans Regular;font-size:9pt;' >otentia</font><font style='font-family:BentonSans Regular;font-size:9pt;' >lly be significant to that</font><font style='font-family:BentonSans Regular;font-size:9pt;' > VIE.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Entities in which the Company&#8217;s voting interest in common equity does not provide it with control, but allows the Company to exert</font><font style='font-family:BentonSans Regular;font-size:9pt;' > significant influence over </font><font style='font-family:BentonSans Regular;font-size:9pt;' >operating and financial decisions, are accounted for under the equ</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ity method. All other investments in equity securities, to the extent they are not considered marketable securities, are accounted for under the cost method.</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Foreign Currency </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Monetary a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ssets and liabili</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ties </font><font style='font-family:BentonSans Regular;font-size:9pt;' >denominated in foreign currencies are translate</font><font style='font-family:BentonSans Regular;font-size:9pt;' >d into U.S. dollars based upon exchange rates prevailing at the e</font><font style='font-family:BentonSans Regular;font-size:9pt;' >nd of the reporting period; non-</font><font style='font-family:BentonSans Regular;font-size:9pt;' >monetary assets and liabilities are translated at the historic exchange rate at the date of the transaction; revenues and expenses are translated at the averag</font><font style='font-family:BentonSans Regular;font-size:9pt;' >e month-end exchange rates during the year. Resulting translation adjustments, along with any related qualifying hedge and tax effects, are included in accumulated other comprehensive income (loss) (AOCI), a component of shareholders&#8217; equity. Translation a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >djustments, including qualifying hedge and tax effects, are reclassified to earnings upon the sale or substantial liquidation of investments in foreign operations. Gains and losses related to transactions in a currency other than the functional currency ar</font><font style='font-family:BentonSans Regular;font-size:9pt;' >e reported net in Other expenses, in the Company&#8217;s Consolidated Statements of Income. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Net for</font><font style='font-family:BentonSans Regular;font-size:9pt;' >eign currency transaction gains amounted to approximately $7</font><font style='font-family:BentonSans Regular;font-size:9pt;' >&#160;million</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and $68 million</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >in 2017 and 2015, respectively,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >and net foreign currency transaction </font><font style='font-family:BentonSans Regular;font-size:9pt;' >losses amounted to </font><font style='font-family:BentonSans Regular;font-size:9pt;' >$18&#160;million</font><font style='font-family:BentonSans Regular;font-size:9pt;' > in 2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' >.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Amounts Based on Estimates and Assumptions </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;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</font><font style='font-family:BentonSans Regular;font-size:9pt;' >. Among the more significant assumptions are those that relate to reserves for Card Member losses on loans and receivables, the proprietary point liability for Membership Rewards costs, fair value measurements, goodwill and income taxes. These accounting e</font><font style='font-family:BentonSans Regular;font-size:9pt;' >stimates reflect the best judgment of management, but actual results could differ.</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Income statement</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Discount Revenue </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Discount revenue generally represents the amount earned by the Company on transactions occurring at merchants with which the Company, or </font><font style='font-family:BentonSans Regular;font-size:9pt;' >a Global Network Services (GNS) partner, has entered into a card acceptance agreement for facilitating transactions between the merchants and the Company&#8217;s Card Members. The </font><font style='font-family:BentonSans Regular;font-size:9pt;' >amount of fees charged, or merchant discount, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >is </font><font style='font-family:BentonSans Regular;font-size:9pt;' >generally deducted from the payme</font><font style='font-family:BentonSans Regular;font-size:9pt;' >nt to the merchant and recorded as discount revenue at the time a Card Member enters into a point-of-sale transaction with a merchant.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Where the Company acts as the merchant acquirer and the card presented at a merchant is issued by a third-party financial</font><font style='font-family:BentonSans Regular;font-size:9pt;' > institution, such as in the case of GNS partners, the Company makes financial settlement to the merchant and receives the discount revenue. In the Company&#8217;s role as the operator of the card network, it also receives financial settlement from the GNS card </font><font style='font-family:BentonSans Regular;font-size:9pt;' >issuer, which in turn receives an issuer rate that is individually negotiated between that issuer and the Company. The difference between the merchant discount the Company receives from the merchant (which is directly agreed between a merchant and the Comp</font><font style='font-family:BentonSans Regular;font-size:9pt;' >any</font><font style='font-family:BentonSans Regular;font-size:9pt;' >,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and is not based on the issuer rate) and the issuer rate received by the GNS card issuer is recorded as discount revenue. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >In cases where the Company is the card issuer and the merchant acquirer is a third party (which can be the case in a country in </font><font style='font-family:BentonSans Regular;font-size:9pt;' >which an Independent Operator partner is the local merchant acquirer or in the United States under our OptBlue program with certain third-party merchant acquirers), the Company receives a network rate in its settlement with the merchant acquirer, which is </font><font style='font-family:BentonSans Regular;font-size:9pt;' >individually negotiated between the Company and that merchant acquirer and is recorded as discount revenue. In contrast with networks such as those operated by Visa Inc. and MasterCard Incorporated, there are no collectively set interchange rates on the Am</font><font style='font-family:BentonSans Regular;font-size:9pt;' >erican Express network, issuer rates do not serve as a basis for merchant discount rates and no fees are agreed or due between the third-party financial institution participants on the network.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Net Card Fees </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Net card fees </font><font style='font-family:BentonSans Regular;font-size:9pt;' >represent revenue earned from </font><font style='font-family:BentonSans Regular;font-size:9pt;' >annual ca</font><font style='font-family:BentonSans Regular;font-size:9pt;' >rd membership fees, which vary</font><font style='font-family:BentonSans Regular;font-size:9pt;' > based on the type of card and the number of cards for each account. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >These fees, net of </font><font style='font-family:BentonSans Regular;font-size:9pt;' >acquisition costs and a reserve for projected refunds for Card Member cancellations, are deferred and recognized on </font><font style='font-family:BentonSans Regular;font-size:9pt;' >a straight-li</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ne basis over the twelve</font><font style='font-family:BentonSans Regular;font-size:9pt;' >-month card membership period as Net Card Fees in the Consolidated Statements of Income. The unamortized net card fee balance is reported in Other Liabilities on the Consolidated Balance Sheets (refer to Note 10).</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Other Fees and Com</font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;' >missions </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Other fees and commissions represent </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Card Member delinquency fees, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >foreign currency conversion fees, loyalty coalition-related fees, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >travel commissions and fees and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >service fees, which are primarily recognized in the period in which they are char</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ged to the Card Member (refer to Note 19). In addition, service fees are also earned from other customers (e.g., merchants) for a variety of services and are recognized when the service is performed, which is generally in the period the fee is charged. Als</font><font style='font-family:BentonSans Regular;font-size:9pt;' >o included are fees related to the Company&#8217;s Membership Rewards program, which are deferred and recognized over the period covered by the fee, typically one year; the unamortized portion of which is included in Other Liabilities on the Consolidated Balance</font><font style='font-family:BentonSans Regular;font-size:9pt;' > Sheets (</font><font style='font-family:BentonSans Regular;font-size:9pt;' >r</font><font style='font-family:BentonSans Regular;font-size:9pt;' >efer to Note 10).</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Contra-revenue </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The Company regularly makes payments through contractual arrangements with merchants, corporate payments clients, Card Members</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, third-party issuing partners</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and certain other customers. These payments, including </font><font style='font-family:BentonSans Regular;font-size:9pt;' >cash rebates and statement credits provided to Card Members, are generally classified as contra-revenue unless a specifically identifiable benefit (e.g., goods or services) is received by the Company or its Card Members in consideration for that payment, a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >nd the fair value of such benefit is determinable and measurable. If such conditions are met, then the payment is classified as expense up to the estimated fair value of the benefit. If no such benefit is identified, then the entire payment is classified a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >s contra-revenue and included in the Consolidated Statements of Income in the revenue line item where the related transactions are recorded (e.g., Discount revenue or Other fees and commissions). </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Interest Income </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Interest on Card Member loans is assessed </font><font style='font-family:BentonSans Regular;font-size:9pt;' >using the average daily balance method. Unless the loan is classified as non-accrual, interest is recognized based upon the principal amount outstanding, in accordance with the terms of the applicable account agreement, until the outstanding balance is pai</font><font style='font-family:BentonSans Regular;font-size:9pt;' >d, or written off. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Interest and dividends on investment securities primarily relate to the Company&#8217;s performing fixed-income securities. Interest income is recognized as earned using the effective interest method, which adjusts the yield for security prem</font><font style='font-family:BentonSans Regular;font-size:9pt;' >iums and discounts, fees and other payments, so that a constant rate of return is recognized on the investment security&#8217;s outstanding balance. Amounts are recognized until securities are in default or when it becomes likely that future interest payments wi</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ll not be made as scheduled. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Interest on deposits with banks and other is recognized as earned, and primarily relates to the placement of cash, in excess of near-term funding requirements, in interest-bearing time deposits, overnight sweep accounts, and o</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ther interest-bearing demand and call accounts. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Interest Expense </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Interest expense includes interest incurred primarily to fund Card Member loans and receivables, general corporate purposes and liquidity needs, and is recognized as incurred. Interest expe</font><font style='font-family:BentonSans Regular;font-size:9pt;' >nse is divided principally into two categories: (i)&#160;deposits, which </font><font style='font-family:BentonSans Regular;font-size:9pt;' >primarily relates to interest expense on deposits taken from customers and institutions, and (ii)&#160;debt, which primarily relates to interest expense on the Company&#8217;s long-term debt and shor</font><font style='font-family:BentonSans Regular;font-size:9pt;' >t-term borrowings, as well as the realized impact of derivatives</font><font style='font-family:BentonSans Regular;font-size:9pt;' > used to hedge</font><font style='font-family:BentonSans Regular;font-size:9pt;' > interest rate risk on the Company&#8217;s long-term debt.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Expenses </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Marketing and promotion expense includes </font><font style='font-family:BentonSans Regular;font-size:9pt;' >costs incurred in the development and initial placement of </font><font style='font-family:BentonSans Regular;font-size:9pt;' >advertising, wh</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ich are expensed in the year in which the advertising first takes place. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Balance Sheet</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Cash and Cash Equivalents </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Cash and cash equivalents include cash and amounts due from banks, interest-bearing bank balances, including securities purchased</font><font style='font-family:BentonSans Regular;font-size:9pt;' > under resale agreements, and other highly liquid investments with original maturities of 90 days or less.</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Goodwill</font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Goodwill represents the excess of acquisition cost of an acquired business over the fair value of assets acquired and liabilities assumed.</font><font style='font-family:BentonSans Regular;font-size:9pt;' > The Company allocates goodwill to its reporting 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 regul</font><font style='font-family:BentonSans Regular;font-size:9pt;' >arly reviewed by the operating segment manager.</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:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The Company evaluates goodwill for impairment annually as of June&#160;30, or more frequently if events occur or circumstances change that would more likely than not reduce the fair value of one or more of the Co</font><font style='font-family:BentonSans Regular;font-size:9pt;' >mpany&#8217;s reporting units below its carrying value. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Prior to completing the assessment of goodwill for impairment, the Company also performs a recoverability test of certain long-lived assets. The Company has the option to perform a qualitative assessment of</font><font style='font-family:BentonSans Regular;font-size:9pt;' > goodwill impairment to determine whether it is more likely than not that the fair value of its reporting units is less than the carrying values. Alternatively, the Company performs a more detailed quantitative assessment of goodwill impairment.</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:BentonSans Regular;font-size:9pt;margin-left:0pt;' >This qualitative assessment </font><font style='font-family:BentonSans Regular;font-size:9pt;' >entails the evaluation of factors such as economic conditions, industry and market considerations, cost factors, overall financial performance of the reporting unit and other company and reporting unit</font><font style='font-family:BentonSans Regular;font-size:9pt;' >-</font><font style='font-family:BentonSans Regular;font-size:9pt;' >specific events.</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >If the Co</font><font style='font-family:BentonSans Regular;font-size:9pt;' >mpany determines that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, it then performs the impairment evaluation using </font><font style='font-family:BentonSans Regular;font-size:9pt;' >the</font><font style='font-family:BentonSans Regular;font-size:9pt;' >&#160;quantitative a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ssessment</font><font style='font-family:BentonSans Regular;font-size:9pt;' >. </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:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Under</font><font style='font-family:BentonSans Regular;font-size:9pt;' > the quantitative </font><font style='font-family:BentonSans Regular;font-size:9pt;' >assessment</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, t</font><font style='font-family:BentonSans Regular;font-size:9pt;' >he first step ide</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ntifies whether there is a potential impairment by comparing the fair value of a reporting unit to the carrying amount, including goodwill. If the carrying amount of a reporting unit exceeds the fair value, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >then a </font><font style='font-family:BentonSans Regular;font-size:9pt;' >test is performed to determine the implied</font><font style='font-family:BentonSans Regular;font-size:9pt;' > fair&#160;value of goodwill. An impairment loss is recognized based on the amount that the carrying amount of goodwill exceeds the implied fair&#160;value.&#160; </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:BentonSans Regular;font-size:9pt;margin-left:0pt;' >When measuring the fair value of its reporting units</font><font style='font-family:BentonSans Regular;font-size:9pt;' > in the quantitative assessment</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, the Company uses wi</font><font style='font-family:BentonSans Regular;font-size:9pt;' >dely accepted valuation techniques, applying a combination of the income approach (discounted cash flows) and market approach (market multiples). When preparing discounted cash flow models under the income approach, the Company uses internal forecasts to e</font><font style='font-family:BentonSans Regular;font-size:9pt;' >stimate future cash flows expected to be generated by the reporting units. To discount these cash flows, the Company uses the expected cost of equity, determined by using a capital asset pricing model. The Company believes the discount rates used appropria</font><font style='font-family:BentonSans Regular;font-size:9pt;' >tely reflect the risks and uncertainties in the financial markets generally and specifically in the Company&#8217;s internally</font><font style='font-family:BentonSans Regular;font-size:9pt;' >-</font><font style='font-family:BentonSans Regular;font-size:9pt;' >developed forecasts. When using market multiples under the market approach, the Company applies comparable publicly traded companies&#8217; m</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ultiples (e.g., earnings or revenues) to its reporting units&#8217; actual results.</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >For the year ended December 31, 2017, the Company performed a qualitative assessment and determined that it was more likely than not that the fair values of its reporting units </font><font style='font-family:BentonSans Regular;font-size:9pt;' >exceeded their carrying values. For the year ended December 31, 2016, the Company performed the quantitative assessment for all of its reporting units and determined that there was no impairment of goodwill.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Other Intangible Assets</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Intangible assets, prima</font><font style='font-family:BentonSans Regular;font-size:9pt;' >rily customer relationships, are amortized on a straight-line basis over their estimated useful lives of </font><font style='font-family:BentonSans Regular;font-size:9pt;' >1</font><font style='font-family:BentonSans Regular;font-size:9pt;' > to </font><font style='font-family:BentonSans Regular;font-size:9pt;' >22</font><font style='font-family:BentonSans Regular;font-size:9pt;' > years. The Company reviews long-lived assets and asset groups, including intangible assets, for impairment whenever events and</font><font style='font-family:BentonSans Regular;font-size:9pt;' > circumstances indicate their carrying amounts may not be recoverable. An impairment is recognized if the carrying amount is not recoverable and exceeds the asset or asset group&#8217;s fair value.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;' >Premises and Equipment </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Premises and equipment, including leaseh</font><font style='font-family:BentonSans Regular;font-size:9pt;' >old improvements, are carried at cost less accumulated depreciation. Costs incurred during construction are capitalized and are depreciated once an asset is placed in service. Depreciation is generally computed using the straight-line method over the estim</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ated useful lives of the assets, which range from </font><font style='font-family:BentonSans Regular;font-size:9pt;' >3</font><font style='font-family:BentonSans Regular;font-size:9pt;' > to </font><font style='font-family:BentonSans Regular;font-size:9pt;' >10</font><font style='font-family:BentonSans Regular;font-size:9pt;' > years for equipment, furniture and building improvements, and from </font><font style='font-family:BentonSans Regular;font-size:9pt;' >40</font><font style='font-family:BentonSans Regular;font-size:9pt;' > to </font><font style='font-family:BentonSans Regular;font-size:9pt;' >50</font><font style='font-family:BentonSans Regular;font-size:9pt;' > years for premises, which are depreciated based upon their estimated useful l</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ife at the acquisition date. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >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 improvement, and ranges from </font><font style='font-family:BentonSans Regular;font-size:9pt;' >5</font><font style='font-family:BentonSans Regular;font-size:9pt;' > to </font><font style='font-family:BentonSans Regular;font-size:9pt;' >10</font><font style='font-family:BentonSans Regular;font-size:9pt;' > years. The Company maintains operating leases worldwide for facilities and equipment. Rent expense for facility leases is recognized ratably over the lease term, and includes adjustments for rent concessions, rent escalations and leasehold improvement all</font><font style='font-family:BentonSans Regular;font-size:9pt;' >owances. The Company recognizes lease restoration obligations at the fair value of the restoration liabilities when incurred and amortizes the restoration assets over the lease term.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Certain costs associated with the acquisition or development of internal-</font><font style='font-family:BentonSans Regular;font-size:9pt;' >use software are also </font><font style='font-family:BentonSans Regular;font-size:9pt;' >capitalized and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >recorded in Premises and equipment. Once the software is ready for its intended use, these costs are amortized on a straight-line basis over the software&#8217;s estimated useful life, generally </font><font style='font-family:BentonSans Regular;font-size:9pt;' >5</font><font style='font-family:BentonSans Regular;font-size:9pt;' > years.</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >The Compa</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ny reviews these assets for impairment using the same impairment methodology used for its intangible assets.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Other Significant Accounting Policies </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The following table identifies the Company&#8217;s other significant accounting policies, along with the related N</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ote and page number where the Note can be found. </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:19.5pt;' ><td style='width:205.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >Significant Accounting Policy</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >Note </font><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >Number</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:226.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >Note Title</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >Page</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Accounts Receivable</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 3</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Loans and Accounts Receivable</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 94</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Loans</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 3</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Loans and Accounts Receivable</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 94</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Reserves for Losses</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 4</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Reserves for Losses</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 101</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Investment Securities</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 5</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Investment Securities</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 103</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Asset Securitizations</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 6</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Asset Securitizations</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 104</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Membership Rewards</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 10</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Other Liabilities</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 110</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Stock-based Compensation</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 11</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Stock Plans</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 111</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Retirement Plans</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 12</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Retirement Plans</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 113</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Legal Contingencies</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 13</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Contingencies and Commitments</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 113</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Derivative Financial Instruments and Hedging Activities</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 14</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Derivatives and Hedging Activities</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 115</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Fair Value Measurements</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note&#160;15</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Fair Values </font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 118</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Income Taxes</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 21</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Income Taxes</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 127</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Regulatory Matters and Capital Adequacy</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 23</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Regulatory Matters and Capital Adequacy</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 130</font></td></tr><tr style='height:10.5pt;' ><td style='width:205.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Reportable Operating Segments</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Note 25</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:226.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Reportable Operating Segments and Geographic Operations</font></td><td style='width:9.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Page 133</font></td></tr><tr style='height:4.5pt;' ><td style='width:205.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:205.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:39.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:226.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:226.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:9.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Recently Issued Accounting Standards</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >In May 2014, the Financial Accounting Standards Board (FASB) issued new accounting guidance on revenue recognition. The accounting standard establishes the principles to apply to determine the amount and timing of </font><font style='font-family:BentonSans Regular;font-size:9pt;' >revenue recognition, specifying the accounting for certain costs related to revenue, and requiring additional disclosures about the nature, amount, timing and uncertainty of revenues and related cash </font><font style='font-family:BentonSans Regular;font-size:9pt;' >flows. The guidance, as amended and effective January 1,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > 2018,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > supersedes most of the r</font><font style='font-family:BentonSans Regular;font-size:9pt;' >evenue recognition requirements in effect prior to that date</font><font style='font-family:BentonSans Regular;font-size:9pt;' >. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Beginning with the quarter ending March 31, 2018, the Company&#8217;s </font><font style='font-family:BentonSans Regular;font-size:9pt;' >consolidated </font><font style='font-family:BentonSans Regular;font-size:9pt;' >financial </font><font style='font-family:BentonSans Regular;font-size:9pt;' >statements</font><font style='font-family:BentonSans Regular;font-size:9pt;' > will reflect </font><font style='font-family:BentonSans Regular;font-size:9pt;' >the </font><font style='font-family:BentonSans Regular;font-size:9pt;' >adoption of the standard using the full retrosp</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ective method, which applies the new standard to each prior reporting period presented. The most significant impacts of</font><font style='font-family:BentonSans Regular;font-size:9pt;' > the</font><font style='font-family:BentonSans Regular;font-size:9pt;' > adoption are changes to the presentation of certain credit and charge card related costs that </font><font style='font-family:BentonSans Regular;font-size:9pt;' >previously were netted against D</font><font style='font-family:BentonSans Regular;font-size:9pt;' >iscoun</font><font style='font-family:BentonSans Regular;font-size:9pt;' >t revenue, including Card Member cash-back reward costs and statement credits, corporate</font><font style='font-family:BentonSans Regular;font-size:9pt;' > client</font><font style='font-family:BentonSans Regular;font-size:9pt;' > incentive payments, as well as payments to third-party card issuing partners. Under the new standard</font><font style='font-family:BentonSans Regular;font-size:9pt;' >,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > these costs are not considered components of the transacti</font><font style='font-family:BentonSans Regular;font-size:9pt;' >on price of our card acceptance agreements with merchants and thus </font><font style='font-family:BentonSans Regular;font-size:9pt;' >are not netted against </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Discount revenue</font><font style='font-family:BentonSans Regular;font-size:9pt;' >,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > but</font><font style='font-family:BentonSans Regular;font-size:9pt;' > instead recognized</font><font style='font-family:BentonSans Regular;font-size:9pt;' > as expense</font><font style='font-family:BentonSans Regular;font-size:9pt;' >s</font><font style='font-family:BentonSans Regular;font-size:9pt;' >. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Our p</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ayments to third-party card issuing partners will be presented </font><font style='font-family:BentonSans Regular;font-size:9pt;' >net of related Other </font><font style='font-family:BentonSans Regular;font-size:9pt;' >revenues earned from th</font><font style='font-family:BentonSans Regular;font-size:9pt;' >e partners. </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:BentonSans Regular;font-size:9pt;margin-left:0pt;' >These</font><font style='font-family:BentonSans Regular;font-size:9pt;' > reclassifications are expected to have the following impacts to the reported re</font><font style='font-family:BentonSans Regular;font-size:9pt;' >sults for the fiscal years ended</font><font style='font-family:BentonSans Regular;font-size:9pt;' >:</font></p><p style='text-align:left;line-height:12pt;' ></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;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:405.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:405.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='5' rowspan='1' style='width:97.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:97.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Increase (Decrease)</font></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:428.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:428.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >December&#160;31</font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:428.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:428.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >Revenues</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#52A2DD;' ></font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#52A2DD;' ></font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#52A2DD;' ></font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:417pt;text-align:left;vertical-align:middle;border-color:Black;min-width:417pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Discount revenue</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >3,707</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3,699</font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:417pt;text-align:left;vertical-align:middle;border-color:Black;min-width:417pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Other</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(278)</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:7.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(253)</font></td></tr><tr style='height:9pt;' ><td colspan='3' rowspan='1' style='width:428.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:428.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >Expenses</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:417pt;text-align:left;vertical-align:middle;border-color:Black;min-width:417pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Marketing and promotion</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,350</font></td><td style='width:15pt;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,420</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:417pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:417pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Card Member rewards</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,079</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:15pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:center;vertical-align:middle;border-color:Black;min-width:7.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,026</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:13.5pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >doption</font><font style='font-family:BentonSans Regular;font-size:9pt;' > of the new guidance</font><font style='font-family:BentonSans Regular;font-size:9pt;' > also results in changes to the recognition timing of certain revenues, the impact of which </font><font style='font-family:BentonSans Regular;font-size:9pt;' >is not material to net income. Similarly, t</font><font style='font-family:BentonSans Regular;font-size:9pt;' >he </font><font style='font-family:BentonSans Regular;font-size:9pt;' >adoption does not have a material</font><font style='font-family:BentonSans Regular;font-size:9pt;' > impact on the Company&#8217;s consolidated balance sheets</font><font style='font-family:BentonSans Regular;font-size:9pt;' > or statements of cash flows. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >T</font><font style='font-family:BentonSans Regular;font-size:9pt;' >he Company </font><font style='font-family:BentonSans Regular;font-size:9pt;' >is in the process of implementing</font><font style='font-family:BentonSans Regular;font-size:9pt;' > changes to its accounting policies, business processes, systems and internal controls to support the recognition, measurement and disclosure requirements under the new standard.</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >I</font><font style='font-family:BentonSans Regular;font-size:9pt;' >n January 2016, the FASB issued new accounting guidance on the recognition and measurement of financial assets and financial liabilities</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, which was effective and adopted by the Company as of January 1, 2018</font><font style='font-family:BentonSans Regular;font-size:9pt;' >. The guidance </font><font style='font-family:BentonSans Regular;font-size:9pt;' >makes</font><font style='font-family:BentonSans Regular;font-size:9pt;' > targeted changes to GAAP</font><font style='font-family:BentonSans Regular;font-size:9pt;' >;</font><font style='font-family:BentonSans Regular;font-size:9pt;' > spe</font><font style='font-family:BentonSans Regular;font-size:9pt;' >cifically to the classification and measurement of equity securities, and to certain disclosure requirements associated with the fai</font><font style='font-family:BentonSans Regular;font-size:9pt;' >r value of financial assets and liabilities</font><font style='font-family:BentonSans Regular;font-size:9pt;' >. In the ordinary course of business, the Company makes investments in non-public</font><font style='font-family:BentonSans Regular;font-size:9pt;' > companies, which historically were recognized under the cost method of accounting. Under the new guidance, these investments are prospectively adjusted for observable price changes </font><font style='font-family:BentonSans Regular;font-size:9pt;' >through earnings </font><font style='font-family:BentonSans Regular;font-size:9pt;' >upon the identification of identical or similar transact</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ions of the same issuer. The adoption o</font><font style='font-family:BentonSans Regular;font-size:9pt;' >f the guidance, as of January 1, 2018, did not have a material</font><font style='font-family:BentonSans Regular;font-size:9pt;' > impact on the Company&#8217;s financial position, results of opera</font><font style='font-family:BentonSans Regular;font-size:9pt;' >tions and cash flows. T</font><font style='font-family:BentonSans Regular;font-size:9pt;' >he Company implemented changes to its accounting polic</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ies, business pro</font><font style='font-family:BentonSans Regular;font-size:9pt;' >cesses</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and internal controls in support of the new guidance.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >In February 2016, the FASB issued new accounting guidance on leases. The guidance, effective January 1, 2019, with early adoption permitted, requires virtually all leases to be recognized on the </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Consolidated Balance Sheets. The Company will adopt the standard effective January 1, 2019,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and is currently planning on</font><font style='font-family:BentonSans Regular;font-size:9pt;' > using the modified retrospective approach, which requires recording existing operating leases on the Consolidated Balance Sheets</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >upon a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >doption and in the comparative period. The Company is in the process of </font><font style='font-family:BentonSans Regular;font-size:9pt;' >upgrading its </font><font style='font-family:BentonSans Regular;font-size:9pt;' >lease administration software </font><font style='font-family:BentonSans Regular;font-size:9pt;' >and changing</font><font style='font-family:BentonSans Regular;font-size:9pt;' > business processes and internal controls in preparation for the adoption. Specifically, the Company is currently reviewing its </font><font style='font-family:BentonSans Regular;font-size:9pt;' >lease portfolio and is evaluating and interpreting the requirements under the guidance, including the available accounting policy elections, in o</font><font style='font-family:BentonSans Regular;font-size:9pt;' >rder to determine the impacts on</font><font style='font-family:BentonSans Regular;font-size:9pt;' > the Company&#8217;s financial position, results of operations and cash flows upon ad</font><font style='font-family:BentonSans Regular;font-size:9pt;' >option. </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >In June 2016, the FASB issued new accounting guidance for recognition of credit losses on financial instruments, effective January 1, 2020, with early adoption permitted on January 1, 2019. The guidance introduces a new credit reserving model know</font><font style='font-family:BentonSans Regular;font-size:9pt;' >n as the Current Expected Credit Loss (CECL) model, which is based on expected losses, and differs significantly from the incurred loss approach used today. The CECL model requires measurement of expected credit losses not only based on historical experien</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ce and current conditions, but also by including reasonable and supportable forecasts incorporating forward-looking information. In addition, for available-for-sale debt securities, the new guidance replaces the other-than-temporary impairment model, and r</font><font style='font-family:BentonSans Regular;font-size:9pt;' >equires the recognition of an allowance</font><font style='font-family:BentonSans Regular;font-size:9pt;' > for reductions in a security&#8217;s</font><font style='font-family:BentonSans Regular;font-size:9pt;' > fair value attributable to declines in credit quality</font><font style='font-family:BentonSans Regular;font-size:9pt;' >,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > instead o</font><font style='font-family:BentonSans Regular;font-size:9pt;' >f a direct write-down of the security</font><font style='font-family:BentonSans Regular;font-size:9pt;' > when a valuation dec</font><font style='font-family:BentonSans Regular;font-size:9pt;' >line was determined to be other-</font><font style='font-family:BentonSans Regular;font-size:9pt;' >than</font><font style='font-family:BentonSans Regular;font-size:9pt;' >-</font><font style='font-family:BentonSans Regular;font-size:9pt;' >temporary. T</font><font style='font-family:BentonSans Regular;font-size:9pt;' >he guidance also requires a cumulative-effect adjustment to retained earnings as of the beginning of the reporting period of adoption. The Company does not intend to adopt the new standard early and is currently evaluating the impact the new guidance will </font><font style='font-family:BentonSans Regular;font-size:9pt;' >have on its financial position, results of operations and cash flows; however, it is expected that the CECL model will alter the assumptions used in estimating credit losses on Card Member loans and receivables, and may result in material increases to the</font><font style='font-family:BentonSans Regular;font-size:9pt;' > Company&#8217;s credit reserves as the new guidance involves earlier recognition of expected losses for the life of the assets. The Company has established an enterprise-wide, cross-discipline governance structure to implement the new standard, and continues t</font><font style='font-family:BentonSans Regular;font-size:9pt;' >o identify and conclude on key interpretive issues along with evaluating its existing credit loss forecasting models and processes in relation to the new guidance to determine what modifications may be required.</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >In August 2017, the FASB issued new accounti</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ng guidance providing targeted improvements to the accounting f</font><font style='font-family:BentonSans Regular;font-size:9pt;' >or hedging activities, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >effective January 1, 2019, with early adoption permitted in any interim period or fiscal year before the effective date. The guidance introduces a number of amendments, s</font><font style='font-family:BentonSans Regular;font-size:9pt;' >everal of which are optional, that are designed to simplify the application of hedge accounting, improve financial statement transparency and more closely align hedge accounting with an entity&#8217;s risk management strategies. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Effective January 1, 2018, t</font><font style='font-family:BentonSans Regular;font-size:9pt;' >he Co</font><font style='font-family:BentonSans Regular;font-size:9pt;' >mpany adopt</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ed</font><font style='font-family:BentonSans Regular;font-size:9pt;' > the guidance</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, with no material </font><font style='font-family:BentonSans Regular;font-size:9pt;' >impact</font><font style='font-family:BentonSans Regular;font-size:9pt;' > on its</font><font style='font-family:BentonSans Regular;font-size:9pt;' > financial position, results of operations </font><font style='font-family:BentonSans Regular;font-size:9pt;' >and cash flows, along with associated changes to its accounting policies, business processes and internal controls in support of the new guidance. </font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >In February 2018, as a result of the enactment of the Tax Cuts and Jobs Act (the Tax Act), the FASB issued new accounting guidance on the reclassification of certain tax effects from AOCI to retained earnings. The optional guidance is effective January 1, 2019, with early adoption permitted. The Company is evaluating whether it will adopt the new guidance along with any impacts on the Company&#8217;s financial position, results of operations and cash flows, none of which are expected to be material.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Class</font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' >ification of Various Items</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Certain reclassifications of prior period amounts have been made to conform to the current period presentation. </font><font style='font-family:BentonSans Regular;font-size:9pt;' > Specifically, d</font><font style='font-family:BentonSans Regular;font-size:9pt;' >uring 2016, the Company determined that in the Consolidated Statements of Cash Flows for the comparat</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ive periods ended June 30, 2015, September 30, 2015 and December 31, 2015, certain activities related to long-term debt repayments were misclassified between financing activities and operating activities. There is no impact to the Consolidated Statements o</font><font style='font-family:BentonSans Regular;font-size:9pt;' >f Income or Consolidated </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Balance Sheets. The Company </font><font style='font-family:BentonSans Regular;font-size:9pt;' >evaluated the effects of these misclassifications and concluded that none are material to any of its previously issued Cons</font><font style='font-family:BentonSans Regular;font-size:9pt;' >olidated Financial Statements.&#160;Nevertheless, the Company </font><font style='font-family:BentonSans Regular;font-size:9pt;' >elected to revise prosp</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ectively the comparative periods mentioned above. For the year ended December 31, 2015, this revision resulted in a $361 million decrease to both Net cash used in financing activities and Net cash provided by operating activities. In addition, travel commi</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ssions and fees, which were previously disclosed separately on the Consolidated Statements of Income, are now included within Other fees and commissions.</font></p></div> 50.27 6932000000 2022000000 54000000 55000000 696000000 23000000 0.025 0 0 141000000 52000 442000000 -215000000 510000000 850000000 1000000 131000000 -276000000 9536000000 343000000 34000000 794000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;color:#000000;' >The following table presents changes in the Card Member loans 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:393.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:393.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2015</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:393.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:393.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Balance, January 1</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,223</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,028</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,201</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:382.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Provisions</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,868</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,235</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,190</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:382.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Net write-offs </font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:371.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:371.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Principal</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(1,181)</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(930)</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(967)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:371.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:371.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Interest and fees</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >(227)</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(175)</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(162)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:382.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Transfer of reserves on HFS loan portfolios</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > </font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#8213;</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(224)</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:382.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:382.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Other</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >23</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >65</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(10)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:393.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:393.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Balance, December 31</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,706</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</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;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,223</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,028</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Provisions for principal, interest and fee reserve components. </font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >P</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >rincipal write-offs</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > are presented</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > less recoveries of $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >409</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million, $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >379</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million and $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >418</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million, and include net write-offs from TDRs of $30</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million, $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >34</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million and $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >41</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million, for the years ended December 31, </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2017</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >, </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > and </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2015</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >, respectively. Recoveries of i</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >nterest and fees were not significant</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >. </font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Includes foreign currency translation adjustments of $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >8</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million, $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(10)</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million and $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(20)</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >,</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > and other adjustments of $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >15</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million, $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >8</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million and $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >10</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > million for the years ended December 31, </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2017</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >, </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > and </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2015</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >, </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >respectiv</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >ely. The year ended December 31, 2016</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > include</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >d</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > reserves of $67 million associated with $265 million of retained Card Member loans reclassified from HFS to held for investment </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >as a result of retaining certain loans in connection with the respective sales of</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > JetBlue and Costco cobrand card portfolios. </font></li></ul><p style='text-align:left;line-height:12pt;' ></p></div> 197000000 66.71 9007000000 256000000 0.29 2000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >NOTE </font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' >24</font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:13.5pt;font-weight:bold;margin-left:0pt;color:#002663;' >Significant Credit Concentrations </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;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 </font><font style='font-family:BentonSans Regular;font-size:9pt;' >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:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The following table details the Company&#8217;s maximum credit exposure </font><font style='font-family:BentonSans Regular;font-size:9pt;' >of the on-balance sheet assets </font><font style='font-family:BentonSans Regular;font-size:9pt;' >by category</font><font style='font-family:BentonSans Regular;font-size:9pt;' > 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:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >On-balance sheet:</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Individuals</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >112</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >98</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Institutions</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >20</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >18</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Financial Services</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >35</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >28</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >U.S. Government and agencies</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total on-balance sheet</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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:2;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >170</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >147</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >P</font><font style='font-family:BentonSans Regular;font-size:7pt;' >rimarily reflects</font><font style='font-family:BentonSans Regular;font-size:7pt;' > </font><font style='font-family:BentonSans Regular;font-size:7pt;' >loans and receivables</font><font style='font-family:BentonSans Regular;font-size:7pt;' > from </font><font style='font-family:BentonSans Regular;font-size:7pt;' >global </font><font style='font-family:BentonSans Regular;font-size:7pt;' >consumer and small business</font><font style='font-family:BentonSans Regular;font-size:7pt;' > </font><font style='font-family:BentonSans Regular;font-size:7pt;' >Card Members</font><font style='font-family:BentonSans Regular;font-size:7pt;' >,</font><font style='font-family:BentonSans Regular;font-size:7pt;' > </font><font style='font-family:BentonSans Regular;font-size:7pt;' >which are governed by individual credit risk management.</font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Primarily reflects</font><font style='font-family:BentonSans Regular;font-size:7pt;' > </font><font style='font-family:BentonSans Regular;font-size:7pt;' >loans and</font><font style='font-family:BentonSans Regular;font-size:7pt;' > receivables </font><font style='font-family:BentonSans Regular;font-size:7pt;' >from global corporate </font><font style='font-family:BentonSans Regular;font-size:7pt;' >Card Members,</font><font style='font-family:BentonSans Regular;font-size:7pt;' > which are governed by institutional credit risk management.</font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Represents</font><font style='font-family:BentonSans Regular;font-size:7pt;' > banks, broker-dealers, insurance companies and savings and loan associations. </font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >R</font><font style='font-family:BentonSans Regular;font-size:7pt;' >epresent debt obligations of the U.S. Government and its agencies, states and municipalities and governm</font><font style='font-family:BentonSans Regular;font-size:7pt;' >ent-sponsored entities. </font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >As of December 31, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, the Company&#8217;s most significant concentration of credit risk was with individuals, including Card Member loans and receivables. These amounts are generally advanced on an unsecured basis. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >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 locati</font><font style='font-family:BentonSans Regular;font-size:9pt;' >on in managing credit exposure.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The following table details the Company&#8217;s Card Member loans and receivables exposure (including unused lines-of-credit</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >available to Card Members as part of established lending product agreements</font><font style='font-family:BentonSans Regular;font-size:9pt;' >) in the United States and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >out</font><font style='font-family:BentonSans Regular;font-size:9pt;' >side</font><font style='font-family:BentonSans Regular;font-size:9pt;' > the United States 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:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >On-balance sheet:</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >102</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >93</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >25</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >20</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >On-balance sheet</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >127</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >113</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Unused lines-of-credit:</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >224</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >203</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >49</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >39</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total unused lines-of-credit</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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:2;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >273</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >242</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:2pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Total unused credit available to Card Members does not represent potential future cash </font><font style='font-family:BentonSans Regular;font-size:7pt;' >requirements, as a significant portion of this unused credit will likely not be drawn. Because the Company&#8217;s charge card products generally have no preset spending limit, the associated credit limit on charge products is not quantifiable, and therefore is </font><font style='font-family:BentonSans Regular;font-size:7pt;' >not reflected in unused credit available to Card Members.</font></p></div> 5256000000 -0.057 64452000000 2105000000 12245000000 4785000000 89000000 0 4314000000 0.348 -186000000 43000000 0.02 216000000 16000000 13000000 11000 73032000000 1079000000 6681000000 3525000000 409000000 2731000000 2736000000 83000000 <div><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Card Member accounts receivable by segment and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Other</font><font style='font-family:BentonSans Regular;font-size:9pt;' > receivables as of December 31, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > consisted of:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:43.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >U.S. Consumer Services</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > (a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >13,143</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >12,302</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >International Consumer and Network Services</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >7,803</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5,966</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Global Commercial Services</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >33,101</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >29,040</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Card Member receivables</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >54,047</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >47,308</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >521</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >467</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Card Member receivables, net</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >53,526</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >46,841</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Other receivables, net</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > (b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >3,163</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3,232</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Includes $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >8.9</font><font style='font-family:BentonSans Regular;font-size:7pt;' > billion</font><font style='font-family:BentonSans Regular;font-size:7pt;' > of gross Card Member receivables available to settle obligati</font><font style='font-family:BentonSans Regular;font-size:7pt;' >ons of a consolidated VIE as of</font><font style='font-family:BentonSans Regular;font-size:7pt;' > both </font><font style='font-family:BentonSans Regular;font-size:7pt;' >December 31, </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:7pt;' > and </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:7pt;' >.</font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Other receivables primarily represent amounts related to (i) </font><font style='font-family:BentonSans Regular;font-size:7pt;' >GNS </font><font style='font-family:BentonSans Regular;font-size:7pt;' >partner banks for items such as </font><font style='font-family:BentonSans Regular;font-size:7pt;' >royalty and franchise fees, (ii) certain merchants for b</font><font style='font-family:BentonSans Regular;font-size:7pt;' >illed discount revenue, (iii) tax-related receivables, and (iv</font><font style='font-family:BentonSans Regular;font-size:7pt;' >) loyalty coalition partners for points issued, as well as program participation and servicing fees. Other receivables are presented net </font><font style='font-family:BentonSans Regular;font-size:7pt;' >of reserves for losses of $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >31</font><font style='font-family:BentonSans Regular;font-size:7pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >45</font><font style='font-family:BentonSans Regular;font-size:7pt;' > million as of December 31, </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:7pt;' > and </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:7pt;' >, respectively.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p></div> -449000000 0 RSAs containing only service conditions generally vest 25 percent per year beginning with the first anniversary of the grant date. RSAs containing both service and performance conditions generally vest on the third anniversary of the grant date, and the number of shares earned depends on the achievement of predetermined Company metrics. 3022000000 474000000 -38000000 325000000 0 0 1000000 5922000000 <div><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The following table details the Company&#8217;s Card Member loans and receivables exposure (including unused lines-of-credit</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >available to Card Members as part of established lending product agreements</font><font style='font-family:BentonSans Regular;font-size:9pt;' >) in the United States and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >out</font><font style='font-family:BentonSans Regular;font-size:9pt;' >side</font><font style='font-family:BentonSans Regular;font-size:9pt;' > the United States 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:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >On-balance sheet:</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >102</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >93</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >25</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >20</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >On-balance sheet</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >127</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >113</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Unused lines-of-credit:</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >224</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >203</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >49</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >39</font></td></tr><tr style='height:9.75pt;' ><td style='width:442.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:442.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total unused lines-of-credit</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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:2;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >273</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >242</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:2pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Total unused credit available to Card Members does not represent potential future cash </font><font style='font-family:BentonSans Regular;font-size:7pt;' >requirements, as a significant portion of this unused credit will likely not be drawn. Because the Company&#8217;s charge card products generally have no preset spending limit, the associated credit limit on charge products is not quantifiable, and therefore is </font><font style='font-family:BentonSans Regular;font-size:7pt;' >not reflected in unused credit available to Card Members.</font></p></div> 123000000 1600000000 0 0 -16000000 0 12000000000 206000000 291000000 1148000000 329000000 2.97 15868000000 4000000 P4Y0M0D 0 2184000000 467000000 0.0112 283000000 8364000000 1137000000 18600000000 0 <div><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >NOTE </font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' >11</font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:13.5pt;font-weight:bold;margin-left:0pt;color:#002663;' >Stock Plans </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Stock Option and Award Programs </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Under the 2016 Incentive Compensation Plan and previously under the 2007 Incentive Compensation Plan, awards may be granted to employees and other key individuals who perform services for the </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Company and its participating subsidiaries. These awards may be in the form of stock options, restricted stock awards or units (RSAs</font><font style='font-family:BentonSans Regular;font-size:9pt;' >/RSUs</font><font style='font-family:BentonSans Regular;font-size:9pt;' >), portfolio grants (PGs) or other incentives, and similar awards designed to meet the requirements of non-U.S. jurisdi</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ctions. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >For the Company&#8217;s Incentive Compensation Plans, there were a total of </font><font style='font-family:BentonSans Regular;font-size:9pt;' >14</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >17</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >33</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million common shares unissued and available for grant as of December 31, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, respectively, as</font><font style='font-family:BentonSans Regular;font-size:9pt;' > authorized by the Company&#8217;s Board of Directors and shareholders. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >A summary of stock option and RSA</font><font style='font-family:BentonSans Regular;font-size:9pt;' >/RSU</font><font style='font-family:BentonSans Regular;font-size:9pt;' > activity as of December 31, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and changes during the year</font><font style='font-family:BentonSans Regular;font-size:9pt;' >,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > is 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;vertical-align:middle;border-color:Black;min-width:22.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' ></font></td><td style='width:270pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:270pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Stock Options</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >RSAs/RSUs</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;vertical-align:bottom;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Shares in thousands)</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Shares</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Weighted-Average Exercise Price</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Shares</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Weighted-</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Average</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Grant</font><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Outstanding as of December 31, 2016</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >10,272</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >47.68</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,500</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >69.22</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Granted</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >869</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >87.19</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2,670</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >77.80</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Exercised/vested</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(3,766)</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >34.48</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(2,335)</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >75.85</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:292.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Forfeited</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(102)</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >67.57</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(620)</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >68.80</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;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Expired</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(11)</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >86.11</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#8213;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Outstanding as of December 31, 2017</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,262</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >58.92</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,215</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >70.29</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;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Options vested and expected to vest as of December 31, 2017</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7,194</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >58.86</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:292.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Options exercisable as of December 31, 2017</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3,399</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >45.93</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;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 ratably over the vesting period.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:1pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Stock Options </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;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. Stock options&#160;generally&#160;vest 100 percent on the third anniversary of the grant date</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >have </font><font style='font-family:BentonSans Regular;font-size:9pt;' >a contractual term of 10 years from the date </font><font style='font-family:BentonSans Regular;font-size:9pt;' >of grant.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >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 price of the option) of the stock options outstanding, exercisable, vested, and expe</font><font style='font-family:BentonSans Regular;font-size:9pt;' >cted to ve</font><font style='font-family:BentonSans Regular;font-size:9pt;' >st as of December 31, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, we</font><font style='font-family:BentonSans Regular;font-size:9pt;' >re 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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></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;vertical-align:bottom;border-color:Black;min-width:326.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Exercisable</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:337.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Weighted-average remaining contractual life </font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(in years)</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5.8</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >3.1</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >5.7</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;vertical-align:middle;border-color:Black;min-width:337.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Aggregate intrinsic value </font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(millions)</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >293</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >181</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >291</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The intrinsic value of options exercised during </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' > was $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >197</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >51</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >87</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, respectively,</font><font style='font-family:BentonSans Regular;font-size:9pt;' > (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:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' > was $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >130</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >175</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >146</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, respectively. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Effecti</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ve January 1, 2017, the Company adopted new accounting guidance for employee share-based payments and accordingly, income tax benefits related to stock-based incentive arrangements were recognized in the Company&#8217;s Consolidated Statements of Income</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >in the a</font><font style='font-family:BentonSans Regular;font-size:9pt;' >mount of</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >$</font><font style='font-family:BentonSans Regular;font-size:9pt;' >59</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million</font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' >for the year ended December 31, 2017. Previously, such benefits were recorded in additional paid-in capital. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >The tax benefit realized from income tax impacts of stock option exercises, which was recorded in additional paid-in ca</font><font style='font-family:BentonSans Regular;font-size:9pt;' >pital, in </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' > was $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >4</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >18</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, respectively. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The fair value of each option is estimated on the date of grant using a Black-Scholes-Merton option-pricing model. The following weighted-average assumptions wer</font><font style='font-family:BentonSans Regular;font-size:9pt;' >e used for options granted in </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:383.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:383.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2015</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;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td style='width:383.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:383.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Dividend yield</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1.8</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:22.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1.9</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1.1</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:383.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:383.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Expected volatility</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >24</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:22.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >25</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >37</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:383.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:383.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Risk-free interest rate</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2.3</font></td><td colspan='2' rowspan='1' style='width:22.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:22.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1.5</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1.7</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:383.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:383.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Expected life of stock option (</font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >in years</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >)</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >6.9</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >6.3</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >6.7</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:383.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:383.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >18.18</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >13.67</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >29.20</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >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:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >The expected life of stock options was determined using both historical data and expectations of 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:BentonSans Regular;font-size:9pt;margin-left:0pt;' >On </font><font style='font-family:BentonSans Regular;font-size:9pt;' >October 31, 2017, certain senior executives were awarded stock options with a term of seven years, and include a three-year service condition, as well as performance and market conditions. Therefore, the fair values of these options were estimated at the g</font><font style='font-family:BentonSans Regular;font-size:9pt;' >rant date using a Monte Carlo Valuation model with the following assumptions:</font></p><p style='text-align:left;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9pt;' ><td style='width:441pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:441pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:69.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >October 31, 2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td style='width:441pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:441pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Dividend yield</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:58.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1.58</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:441pt;text-align:left;vertical-align:middle;border-color:Black;min-width:441pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Expected volatility</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:58.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:58.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >21.41</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:441pt;text-align:left;vertical-align:middle;border-color:Black;min-width:441pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Risk-free interest rate</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:58.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:58.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2.26</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >%&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:441pt;text-align:left;vertical-align:middle;border-color:Black;min-width:441pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Expected life of stock option (</font><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >in years</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >)</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:58.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:58.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >7</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td></tr><tr style='height:9pt;' ><td style='width:441pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:441pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Fair value per option</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:Black;min-width:58.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >19.18</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:2pt;margin-bottom:2pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >The expected volatility is based on both weighted historical and implied volatilities of the Company&#8217;s common stock price.</font></p><p style='text-align:left;margin-top:12pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Restricted Stock Awards and units</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >RSAs/RSUs are valued based on the stock price on the date of grant and contain either a) service conditions or b) both service and performance conditions. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >RSAs/RSUs containing only service conditions generally vest 25 percent per year beginning with the fi</font><font style='font-family:BentonSans Regular;font-size:9pt;' >rst anniversary of the grant date. RSAs/RSUs containing both service and performance conditions generally vest on the third anniversary of the grant date, and the number of shares earned depends on the achievement of predetermined Company metrics. All RSA/</font><font style='font-family:BentonSans Regular;font-size:9pt;' >RSU holders receive non-forfeitable dividends or dividend equivalents. The total fair value of shares vested during </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, was $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >180</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >171</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >247</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, respectively (based upon the Company&#8217;</font><font style='font-family:BentonSans Regular;font-size:9pt;' >s stock price at the vesting date). </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The weighted-average grant date fair value of RSAs/RSUs granted in </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' > was $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >77.80</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >55.55</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >81.99</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, respectively.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Liability-based Awards</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >Certain employees are awarded PGs and ot</font><font style='font-family:BentonSans Regular;font-size:9pt;' >her 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/or service conditions, and vest over pe</font><font style='font-family:BentonSans Regular;font-size:9pt;' >riods of one to three years. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >PGs and other incentive awards are generally settled with cash and thus are classified as liabilities; therefore, the fair value is determined at the date of grant and remeasured quarterly as part of compensation expense over </font><font style='font-family:BentonSans Regular;font-size:9pt;' >the vesting period. </font><font style='font-family:BentonSans Regular;font-size:9pt;' >Cash paid upon vesting of these awards in </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;' >, </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:9pt;' > was $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >48</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >41</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:9pt;' >74</font><font style='font-family:BentonSans Regular;font-size:9pt;' > million, respectively. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Summary of Stock Plan Expense </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The components of the Company&#8217;s total stock-base</font><font style='font-family:BentonSans Regular;font-size:9pt;' >d 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;vertical-align:middle;border-color:Black;min-width:336.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2015</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;vertical-align:middle;border-color:Black;min-width:336.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Restricted stock awards</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >170</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >178</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >190</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:336.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:336.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Stock options</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >21</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >14</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >12</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;vertical-align:middle;border-color:Black;min-width:336.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Liability-based awards</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >92</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >60</font></td><td style='width:11.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >32</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;vertical-align:middle;border-color:Black;min-width:336.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Total stock-based compensation expense </font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:middle;border-color:#000000;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >283</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</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;vertical-align:middle;border-color:#000000;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >252</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:middle;border-color:Black;min-width:10.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:middle;border-color:#000000;min-width:45pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >234</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >As of December 31, </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:7pt;' >, the total unrecognized compensation cost related to unvested RSAs</font><font style='font-family:BentonSans Regular;font-size:7pt;' >/RSUs</font><font style='font-family:BentonSans Regular;font-size:7pt;' > and options of $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >178</font><font style='font-family:BentonSans Regular;font-size:7pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >21</font><font style='font-family:BentonSans Regular;font-size:7pt;' > million, respectively, will be recognized ratably over the weighted-average remaining vesting period of </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2.1</font><font style='font-family:BentonSans Regular;font-size:7pt;' > years</font><font style='font-family:BentonSans Regular;font-size:7pt;' >. </font></li><li style='list-style:lower-alpha;text-align:left;margin-top:2pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >The total income tax benefit recognized in the Consolidated Statements of Income for stock-based compensation arrangements for the years ended December 31, </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2017</font><font style='font-family:BentonSans Regular;font-size:7pt;' >, </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2016</font><font style='font-family:BentonSans Regular;font-size:7pt;' > and </font><font style='font-family:BentonSans Regular;font-size:7pt;' >2015</font><font style='font-family:BentonSans Regular;font-size:7pt;' > was $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >102</font><font style='font-family:BentonSans Regular;font-size:7pt;' > million, $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >89</font><font style='font-family:BentonSans Regular;font-size:7pt;' > million and $</font><font style='font-family:BentonSans Regular;font-size:7pt;' >83</font><font style='font-family:BentonSans Regular;font-size:7pt;' > million, respectively. </font></li></ul></div> 14000000 1000000 56000000000 0.101 18000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;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:127.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='11' rowspan='1' style='width:127.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:134.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:134.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2016</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='10' rowspan='1' style='width:128.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:128.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2015</font></td></tr><tr style='height:32.25pt;' ><td style='width:127.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Description of Securities </font><font style='font-family:BentonSans Regular;font-size:6pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;font-style:italic;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Cost</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:30pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Gross Unrealized Gains</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:30pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:30pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Gross Unrealized Losses</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Estimated Fair Value</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Cost</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:31.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Gross Unrealized Gains</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Gross Unrealized Losses</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Estimated Fair Value</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Cost</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Gross Unrealized Gains</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Gross Unrealized Losses</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Estimated Fair Value</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >State and municipal obligations</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;font-style:italic;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >1,369</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >1,377</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2,019</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >28</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(11)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2,036</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2,813</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >85</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(5)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2,893</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >U.S. Government agency obligations</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >12</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >12</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >2</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >U.S. Government treasury obligations</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >1,051</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >(9)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >1,045</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >465</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >3</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(8)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >460</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >406</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >4</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(1)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >409</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Corporate debt securities</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >28</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >28</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >19</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >19</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >29</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >1</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >30</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Mortgage-backed securities</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font><sup><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(a)</font></sup></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >67</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >69</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >92</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >3</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >95</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >117</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >4</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >121</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Foreign government bonds and obligations</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >581</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >581</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >486</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >1</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(1)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >486</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >250</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >6</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:6pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(1)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >255</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Equity securities</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font><sup><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(b)</font></sup></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >51</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >48</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >51</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(2)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >49</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >51</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#8213;</font></td><td style='width:2.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:26.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(2)</font></td><td style='width:2.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >49</font></td></tr><tr style='height:9pt;' ><td style='width:127.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:127.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >Total</font><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' > </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >3,158</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >16</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >(15)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;font-weight:bold;color:#000000;' >3,159</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:6.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >3,144</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:5.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:5.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >35</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</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;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(22)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >3,157</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:24.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >3,668</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:26.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >100</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:6pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</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;vertical-align:bottom;border-color:Black;min-width:26.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >(9)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:2.25pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' ></font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:3.75pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:28.5pt;' ><font style='font-family:BentonSans Regular;font-size:6pt;color:#000000;' >3,759</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae.</font></li><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;' >Equity securities </font><font style='font-family:BentonSans Regular;font-size:7pt;' >comprise</font><font style='font-family:BentonSans Regular;font-size:7pt;' > investments in </font><font style='font-family:BentonSans Regular;font-size:7pt;' >common stock and </font><font style='font-family:BentonSans Regular;font-size:7pt;' >various mutual funds.</font></li></ul></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae. </font><font style='font-family:Arial;font-size:7pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:left;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Other comprises investments in various mutual funds.</font></li></ul></div> 2019000000 38000000 169000000 178000000 432000000 125000000 52000000 0.016 44000000 26000000 56000000 84000000 23000000 518000000 207000000 2032 2600000000 -52000000 2400000 616000000 43 4430000000 25600000000 815000000 0 <div><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >NOTE </font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' >3</font><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;color:#002663;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:13.5pt;font-weight:bold;margin-left:0pt;color:#002663;' >Loans and Accounts Receivable </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;' >The Company&#8217;s lending and charge p</font><font style='font-family:BentonSans Regular;font-size:9pt;' >ayment card products result in the generation of Card Member loans and Card Member receivables, respectively. </font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002663;' >Card Member and Other Loans</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;color:#000000;' >Card Member loans are recorded at the time a Card Member enters into a p</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' >oint-of-sale transaction with a merchant and represent revolving amounts due on lending card products, as well as amounts due from charge Card Members who utilize the Pay Over Time features on their account and elect to revolve a portion of the outstanding</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' > balance by entering into a revolving payment arrangement with the Company. 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, an</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' >d in accordance with applicable regulations 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 and the amounts that Card Members choose to</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' > revolve are subject to finance charges.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;color:#000000;' >Card Member loans are presented on the Consolidated Balance Sheets net of reserves for losses (refer to Note 4), and include principal and any related accrued interest and fees. The Company&#8217;s policy generally is to </font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' >cease accruing interest on a Card Member loan at the time the </font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' >account is written off, and establish reserves for interest that the Company believes will not be collected.</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:BentonSans Regular;font-size:9pt;margin-left:0pt;color:#000000;' >Card Member loans by segment and Other loans as of December</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' > 31, </font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' >2017</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' > and </font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' >2016</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' > c</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' >onsisted of:</font><font style='font-family:BentonSans Regular;font-size:9pt;color:#000000;' > </font><font style='font-family:BentonSans Regular;font-size:9pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:427.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2017</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font></td></tr><tr style='height:9.75pt;' ><td style='width:427.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >U.S. Consumer Services</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >53,668</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >48,758</font></td></tr><tr style='height:9.75pt;' ><td style='width:427.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >International Consumer and Network Services</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >8,651</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >6,971</font></td></tr><tr style='height:9.75pt;' ><td style='width:427.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Global Commercial Services</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >11,080</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >9,536</font></td></tr><tr style='height:9.75pt;' ><td style='width:427.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Card Member loans</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >73,399</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >65,265</font></td></tr><tr style='height:9.75pt;' ><td style='width:427.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >1,706</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,223</font></td></tr><tr style='height:9.75pt;' ><td style='width:427.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Card Member loans, net</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >71,693</font></td><td style='width:11.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >64,042</font></td></tr><tr style='height:9.75pt;' ><td style='width:427.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:427.5pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Other loans, net</font><sup><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;font-weight:bold;color:#000000;' >2,607</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' ></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;vertical-align:bottom;border-color:Black;min-width:11.25pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;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;vertical-align:bottom;border-color:Black;min-width:33.75pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >1,419</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul style='margin-top:0pt;' ><li style='list-style:lower-alpha;text-align:left;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Includes approximately $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >25.7</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > billion and $</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >26.1</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > billion of gross Card Member loans available to settl</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >e obligations of a consolidated </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >VIE</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > as of December 31, </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2017</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > and </font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >2016</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >, respectively.</font></li><li style='list-style:lower-alpha;text-align:left;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' >Other loans primarily represent</font><font style='font-family:BentonSans Regular;font-size:7pt;color:#000000;' > personal and</font><font style='font-family:BentonSans Regular;font-size: